A mortgage as a self-employed professional, clearly arranged
As a self-employed professional or entrepreneur, your mortgage application follows different rules. Vynanzie knows them all and compares independently across more than 20 lenders — so you're not limited to one bank's criteria.
Why Vynanzie
Our advantages for the self-employed
Independent comparison across lenders
Every lender assesses entrepreneurial income differently. We compare across more than 20 parties instead of being tied to one bank's assessment framework.
Guidance with financial statements and income statements
We know exactly what each lender requires and guide you through the entire process — from financial statements to the entrepreneur's income statement (IKV).
One dedicated advisor who knows your business
You won't build a file with a call center. One advisor knows your situation and remains your point of contact, from the first conversation to well after the keys are handed over.
We compare more than 20 lenders to find the lowest rate and best terms for your situation.
Free introductory meeting
No obligations. We listen to your situation and immediately give you insight into your options.
Your advantages
What self-employed professionals often don't know
Possible from just 1 year of self-employment
The standard is 3 years of financial statements, but some lenders already accept 1 year. Which ones depends on your situation — exactly why comparing pays off.
NHG is available to the self-employed too
National Mortgage Guarantee also applies to entrepreneurial income, up to the cost limit of €470,000 (2026). Same benefits: an interest rate discount and a safety net in case of income loss.
A growing income counts in your favor
Lenders look not only at the size of your profit, but also at the trend. An upward line in your financial statements can make a real difference.
Vynanzie is completely independent from lenders and banks. Our advice is always exclusively in your interest.
Calculate your mortgage
Use our free calculator for an initial estimate of your maximum mortgage.
Schedule a meeting
Book a no-obligation appointment
In 45 minutes we will identify which mortgage suits your situation, free and without obligations.
- Free and no-obligation
- Online or at your home
- Instant confirmation email
- AFM certified advice
How would you like to meet?
Choose the option that suits you best.
Frequently asked questions
Everything self-employed professionals want to know
How much mortgage can I get as a self-employed person?
Lenders look at your assessed income: the average profit from your business. Just as important as the amount is its stability — a steady income is generally viewed more favourably than a strongly fluctuating one, even with the same average.
Which financial statements do I need?
The standard rule is three years of financial statements. If you've been self-employed for at least one year, some lenders will already accept a mortgage based on that single year. We know which ones and compare that for you.
What is an entrepreneur's income statement (IKV)?
An IKV is a statement — usually prepared by your bookkeeper or accountant — that confirms your entrepreneurial income according to a fixed method recognised by lenders. We guide you through this.
I've been self-employed for less than a year. Can I already get a mortgage?
Not yet based on your entrepreneurial income. Alternatives may be possible, for example based on previous employment or together with a partner in employment. Discuss your situation with us and we'll look at what is possible.
Do I qualify for NHG as a self-employed person?
Yes, as a self-employed person you also qualify for National Mortgage Guarantee, up to the applicable cost limit (€470,000 in 2026). That gives you the same benefits as employees: an interest rate discount and a safety net in case of unexpected income loss.
How do I best prepare for a mortgage conversation as a self-employed person?
Useful to have on hand: your most recent financial statements or income statement, an indication of your own savings, and — if you already have a property in mind — the address or asking price. Not everything ready yet? We'll look at it together.
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