As a self-employed person you’re used to working your own way, and that requires mortgage advice that suits your situation. Whether you have frequently changing contracts, multiple income sources or are just starting out: you often have more options than you think. We will clearly map out and substantiate your financial situation, so you quickly know how things stand.
Make an appointment with one of our specialist mortgage advisers for self-employed people and find out quickly how much you can borrow.
"},"textLinks":[{"url":"/en/personal/mortgage/contact","text":"Free orientation meeting"}],"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/1edf9fd6-c8b5-489b-9f40-299bc3590a8e/Smiling-young-man-with-a-beard-working-at-a-desk-on-his-laptop-in-an-office-mirror","original":"https://assets.ing.com/m/9ba2ddcce5c8ddf/original/Smiling-young-man-with-a-beard-working-at-a-desk-on-his-laptop-in-an-office-mirror.jpg","extension":"jpg"}},{"componentType":"paragraph","richBody":{"value":"Prefer an appointment with an independent adviser?
You can choose one of 2,600 advisers across the Netherlands.
"}},{"componentType":"sectionTitle","title":"How much can you borrow, based on your situation?"},{"componentType":"paragraph","richBody":{"value":"Below you can read what this means for you as a self-employed person:
"}},{"componentType":"accordion","accordionList":[{"title":"Starting out as self-employed, freelancer or sole trader and looking for a mortgage?","richBody":{"value":"Just started as self-employed and found a home you’re interested in? Good news: if you only started your business recently, you can often still get a mortgage. Even if you’ve less than a year’s experience, our advisers will be happy to help you consider your financial options.
If you’ve already been self-employed for a year, we can calculate your maximum mortgage based on your income from your business.
If you were previously an employee in the same sector, we can often take that income into account, too. And with the Dutch National Mortgage Guarantee (NHG), you could benefit from a lower interest rate.
Our mortgage advisers look beyond the numbers. We also take account of your business plan, work history and financial situation. This quickly gives you an idea of what you can borrow and allows you to take the next step towards your new home with confidence.
What do we need?
If you’ve had your business for more than three years, we’ll look at your average profits over the past three financial years, with last year being used as the maximum. We will also assess the stability of your figures and take into account the sector that you work in.
To form a correct assessment, we always need:
Our advisers understand your situation and help you to think about your options. This way you’ll quickly find out what’s possible, with no unnecessary paperwork.
"}},{"title":"Combining your own business with employment elsewhere?","richBody":{"value":"Whether you’ve just started your own business or are building it up alongside your permanent job, we’ll be happy to check your financial options with you.
If you choose a mortgage with the Dutch National Mortgage Guarantee (NHG), ING will determine your business income based on the NHG conditions. If you don’t opt for a Dutch National Mortgage Guarantee, we will assess your income from employment and your business separately.
Our mortgage advisers will calculate your reference income based on your situation, so you know exactly how much you can borrow for your new home.
What we need:
Make an appointment for a no-obligation orientation meeting – we’ll be happy to help.
"}},{"title":"Dutch National Mortgage Guarantee for self-employed persons","richBody":{"value":"If you’re self-employed and want to buy a home with the Dutch National Mortgage Guarantee (NHG), you can!
An NHG mortgage offers additional security and can also boost your borrowing capacity. Being self-employed, you will need an income declaration for self-employed persons. ING will determine your business income based on the NHG guidelines.
Curious about your options? Make an appointment for a no-obligation orientation meeting – we’ll be happy to help.
"},"textLinks":[{"url":"/en/personal/mortgage/contact","text":"Make an appointment"},{"url":"/en/personal/mortgage/buying-a-house/dutch-national-mortgage-guarantee","text":"All you need to know about NHG"}]},{"title":"No annual figures yet?","richBody":{"value":"If you’ve had your business for a year or more, you can apply for a mortgage based on your first annual figures. Normally, we look at the figures for the past three years, but one good financial year is often enough to give you options.
If you’ve been self-employed for less than a year, you won’t be able to take out a mortgage based on your business income, but we’ll be happy to consider your options with you. Even if you’ve just started out, you can often do more than you think. If you were previously an employee in the same sector, we can often include that income in the assessment. And with the Dutch National Mortgage Guarantee, you could possibly benefit from a lower interest rate.
Make an appointment for a no-obligation orientation meeting. Our mortgage advisers will calculate exactly how much you can borrow.
What do we need?
If you’re self-employed, your application won’t be put in a standard box. We’ll look at your income in recent years, but also consider context: how steady is your business, what is your order book like and what is your growth potential? Our advisers have experience in dealing with business owners and help you consider your options. Instead of a one-size-fits-all solution, you’ll get an assessment that’s tailored to you.
"}},{"title":"Will I need an income declaration?","richBody":{"value":"No, you don’t require an income declaration. We have the knowledge to assess your situation in-house. That means less paperwork, lower costs and faster clarity. We consider the overall picture of your business and income.
"}},{"title":"As a business owner, what advisory and processing fees can I expect when taking out a mortgage?","richBody":{"value":"When you take out a new mortgage or increase your mortgage, we will prepare a personal mortgage advice report. You’ll receive mortgage advice for business owners if you or your partner (if you have one) aren’t in full-time employment. For example, if you’re self-employed, an independent professional or run your own company.
The advisory fees are fixed and not related to the amount you borrow. You can choose to have a free initial orientation meeting with an ING mortgage adviser. If you then decide to obtain mortgage advice from us and take out a mortgage with us, you will pay fees. These are the fees relating to the advice and taking out the mortgage. These fees are also fixed and not related to the amount you borrow
"},"textLinks":[{"url":"/en/personal/mortgage/advisory-fees/new-mortgage-increase","text":"Check out the rates"}]},{"title":"Can I apply for a mortgage if I’ve had my business for less than a year?","richBody":{"value":"Yes, that’s possible in some cases. Even if you haven’t had your business for a full year, you can often do more than you think. We look at things like your work history and education, the sector you work in, and whether you already have any ongoing orders or contracts. If you previously worked as an employee or are combining your business with a job somewhere else, we will take this into account. We think in terms of opportunities, not limitations.
"}},{"title":"What documents should I provide?","richBody":{"value":"We generally ask you for:
But: we always consider your situation as well. If you don’t yet have annual figures for three years, that’s fine too: we’ll just look together at what’s possible. We keep things nice and clear, and we will only ask you for things we really need.
"}},{"title":"How will ING support me during the process?","richBody":{"value":"As a self-employed person, you get support from ING advisers who truly understand your situation. We work closely with specialists in entrepreneurship, financial advice and business financing, so you will quickly get to see the right expert. Our advisers know about the challenges of running your own business and actively help you along. They help you to collect the right documents, liaise with your accountant if required and make sure that the effort you need to put in is minimised. This makes the whole mortgage process clear, personal and efficient, from orientation to application.
"}}]},{"componentType":"sectionTitle","title":"Key services and information for self-employed persons"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Your finances well taken care of as a self-employed person","intro":"Get a clear overview, convenience and custom advice for your business.","image":{"transformBaseUrl":"https://assets.ing.com/transform/7d19bf70-0684-4864-9471-6e72ac2ce38b/green-briefcase-euro-coins","type":"image","width":0,"original":"https://assets.ing.com/m/54ff0e85efd41228/original/green-briefcase-euro-coins.svg","extension":"svg"},"link":{"url":"/en/business/self-employed"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Business mortgage","intro":"Buying business premises or land? Discover how much you can borrow with a business mortgage.","image":{"transformBaseUrl":"https://assets.ing.com/transform/ffd85705-1fbb-4af6-8250-55ff3e28de85/Woman-man-formal-building-construction-scene","type":"image","width":1200,"original":"https://assets.ing.com/m/3357dc5ec65ec03c/original/Woman-man-formal-building-construction-scene.svg","extension":"svg"},"link":{"url":"/zakelijk/financieren/zakelijke-lening/zakelijke-hypotheek"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Top tips for self-employed freelancers and sole traders","intro":"From accounting to growth: discover practical tips for self-employed people.","image":{"transformBaseUrl":"https://assets.ing.com/transform/c2132dd3-a845-4060-ab5d-2a3d60d75288/boxlamp","type":"image","width":160,"original":"https://assets.ing.com/m/bb565fb7711b633/original/boxlamp.svg","extension":"svg"},"link":{"url":"/zakelijk/zzp/tips"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Stay financially healthy","intro":"Discover how you can keep your business financially healthy with smart tools and insights.","image":{"transformBaseUrl":"https://assets.ing.com/transform/50ff39dc-da5b-4ee6-9f0c-69279992ef70/Balance-check-spot","type":"image","width":160,"original":"https://assets.ing.com/m/4620352ecfdde7b/original/Balance-check-spot.svg","extension":"svg"},"link":{"url":"/zakelijk/financieel-gezond"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Property services","intro":"Useful services that save time and money.","image":{"transformBaseUrl":"https://assets.ing.com/transform/a98f0408-51b5-49ac-895a-fcb5aabe06aa/handthumbupwatchcheckmark","type":"image","width":0,"original":"https://assets.ing.com/m/3ed754d12a43d273/original/handthumbupwatchcheckmark.svg","extension":"svg"},"link":{"url":"/en/personal/mortgage/property-services"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Property insurance","intro":"Make sure your home and possessions are well insured.","image":{"transformBaseUrl":"https://assets.ing.com/transform/6cc6097a-cc55-4af5-aa66-2578ee1134c8/home-insurance-tenants","type":"image","width":1018,"original":"https://assets.ing.com/m/721b4850f92af54c/original/home-insurance-tenants.png","extension":"png"},"link":{"url":"/en/personal/insurances/home-insurance"}}]},{"componentType":"linkList","componentStyle":"default","iconTitle":{"icon":{"transformBaseUrl":"https://assets.ing.com/transform/712f0411-7ffc-473e-bf7e-7c27d9e265bc/Feedback-Light_Bulb_Filledin","type":"image","width":24,"altTextNL":"\"\"","original":"https://assets.ing.com/m/1a0207ffb56322e/original/Feedback-Light_Bulb_Filledin.svg","extension":"svg"},"title":"Also interesting for you"},"textLinks":[{"url":"/zakelijk/zzp/bankzaken","text":"Products for self-employed persons"},{"url":"/zakelijk/zzp/tips","text":"Tips for self-employed persons"}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Good to know","richBody":{"value":"The English text of the website is a translation of the Dutch original version. This translation is intended for the customers convenience only. In case of any discrepancies between the two versions, the original Dutch version shall prevail. The mortgage offer and contract will be signed in Dutch. Also, all further communication after signing the mortgage contract will be in Dutch. You acknowledge and accept this. If any assistance or clarification is needed, we recommend contacting your mortgage advisor or to call our customer service via the ING app.
"}}]}}}