As a DGA, you’re an entrepreneur in everything you do. Your personal and business finances are closely intertwined, making your financial situation more complex than average. Fortunately, there are specialists who speak the same language as entrepreneurs and understand you both professionally and personally.
"}},{"componentType":"sectionTitle","title":"What makes this mortgage different?"},{"componentType":"paragraph","richBody":{"value":"Everything about this mortgage reflects entrepreneurship:
Whether you want to work from home or dream of a second home abroad to unwind, we combine your total income and assets into smart, personal housing advice — making your dream home a reality for you and your family.
"}},{"cards":[{"body":"Discover why many DGAs choose financing that fits within their overall asset structure.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2025-09-10","image":{"extension":"jpg","original":"https://assets.ing.com/m/4b864e54bd92ea48/original/Medium_Office-365-and-Newsletters-Three-adult-people-in-business-clothing-walking-together-on-the-street-with-coffee-Exclusive-usage-for-ING-Private-Banking.jpg","transformBaseUrl":"https://assets.ing.com/transform/28f5a38e-e651-4268-b029-7b2fc607430f/Medium_Office-365-and-Newsletters-Three-adult-people-in-business-clothing-walking-together-on-the-street-with-coffee-Exclusive-usage-for-ING-Private-Banking","type":"image","width":900},"link":{"url":"/en/private-banking/knowledge-and-insights/living/smart-financing-dga-mortgage"},"title":"Wealthy, yet opting for a mortgage: smart financing as DGA"},{"body":"Read the interview with Jan Willem Bruel, Director Housing Private Banking DGA about the mortgage for director-major shareholders (DGAs).","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2025-09-15","image":{"extension":"png","original":"https://assets.ing.com/m/1662210b87c47821/original/DGA-interview-landscape.png","transformBaseUrl":"https://assets.ing.com/transform/f2b2cdd8-0c80-4281-a243-5a2f630083f3/DGA-interview-landscape","type":"image","width":1928},"link":{"url":"/en/private-banking/knowledge-and-insights/living/interview-director-housing-private-banking-dga"},"title":"''A mortgage that looks beyond your salary''"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Frequently asked questions about the mortgage for DGAs"},{"accordionList":[{"richBody":{"value":"We assess your complete situation as an entrepreneur. What developments has your business undergone, and what ambitions do you have for the coming years? We look at how your business is structured and how your assets are built up. If needed, we consult external experts such as accountants, tax advisors, and family offices. Our specialised advisors work with you to create a tailored plan.
"},"title":"How is my application assessed?"},{"richBody":{"value":"No, an income statement is not required. We have the expertise to properly assess your situation as a DGA. We look at the broader financial picture, including previous entrepreneurial experience, income streams and assets (business and/or personal) you wish to include, such as dividend payments, excess profits and capital.
"},"title":"Do I need an income statement?"},{"richBody":{"value":"Our principle: you only submit what is necessary. Together, we determine what’s truly needed, but we usually ask for:
At ING Private Banking, a dedicated team works on your application, taking as much work off your hands as possible.
Our specialists understand entrepreneurs and their financial landscape — including structures like holdings, multiple BVs or dividend payments. The team coordinates with your accountant or financial advisor when needed.
As a Private Banking client, you benefit from our holistic approach. We look at both business and personal aspects, and all relevant elements of your wealth. This way, we make your housing goals smart, achievable, and personal.
The information provided by ING in this article does not constitute an offer, advice or financial service and is intended solely to inform you and provide practical tips. We always recommend consulting a specialist regarding your financial and/or wealth planning. This article has been compiled with the utmost care. However, it is possible that the information in this article contains inaccuracies or omissions. ING is not liable for any damage (of any kind) resulting from the use of the information provided in any way. No rights can be derived from the information provided. Any rates mentioned are indicative and not binding for ING. All rights and changes reserved. This is a publication of ING Bank NV, registered in Amsterdam.
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