Download your free Dutch mortgage guide for non-traditional income
Freelance, BV owner, foreign salary, 30% ruling or international institution? This free guide explains exactly how Dutch lenders assess your income — and what documents you need.
A 6-page guide to how Dutch lenders treat non-standard income
Clear, practical guidance on how non-standard income is assessed for your mortgage — explained in plain English for expats.
How lenders assess freelance income, what KvK history you need, and why previous employment in the same industry is a major advantage.
Why your personal salary alone isn't enough — and how lenders assess your company's cash flow, profit margin, and income history over 3 years.
Which currencies are accepted, why lenders only count 70–90% of your gross income, and what documents are needed for a foreign employer.
How the 30% ruling boosts your mortgage capacity now — and why borrowing at the maximum can be risky when the ruling ends.
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Not all lenders treat non-standard income the same: some lenders are flexible with 1–2 years of ZZP or BV history. An independent advisor knows which lenders to approach — saving you time and rejected applications.
The 30% ruling can work against you: borrowing at your maximum during the ruling period can be risky. When the ruling ends, your net income drops — but your mortgage stays the same. Plan ahead.
International institution staff may lose the interest deduction: if your salary is tax-exempt in the Netherlands, you may not benefit from mortgage interest deduction — which changes your monthly cost calculations significantly.
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