Apply for a self-employed mortgage
Apply for a self-employed mortgage . If you are self-employed and want to buy your own home, you need a mortgage. Anyone who is employed can arrange this via their annual statement. For the self-employed person, it’s a bit more complicated. The mortgage lender normally asks for three balance sheets and a forecast for the new year.
Prognosis for Self-Employed Mortgages
When applying for a self-employed mortgage, the bank assumes an assessment income. It determines this on the basis of the three annual figures and the forecast for the new year. This is also known as the taxable profit. Mortgage lenders often stick to the average of the last three calendar years, with the last calendar year as the maximum. This one therefore counts more heavily.
Financial statements for self-employed mortgages
Therefore, you must hand over the balance sheet and profit and loss account for the past three years. Some banks still explicitly ask for annual accounts. Your accountant can provide you with the balance sheets. If the bank asks for annual accounts for the self-employed mortgage, you will receive a formal booklet with a detailed explanation and explanation. You often have to pay extra for this. You also have to pay extra for the prognosis with a self-employed accountant .
Balance sheet for self-employed mortgages
The annual accounts are modern (Excel) and easy to read. If you wish, the operating result will also be discussed with you. This is NOT included in the annual price. Drawing up the annual accounts for a sole proprietorship costs 480 euros excluding VAT. You will receive a PDF from us every year with the balance sheet and profit and loss account.
Mortgage Rates
You will receive a calculation of your fixed monthly costs from the bank. And the bank indicates the maximum amount you can borrow with your income. These consist of the interest on the mortgage and the mandatory repayment. The mortgage interest is deductible from your taxable income.
Administration for self-employed mortgages
Zzp-boekhouder therefore points out that you have your administration up to date and that you have it updated every quarter. Then if you want to apply for a mortgage self-employed person, you can take action quickly. You also have to hand over the income and sales tax return.
Forecast for mortgage
With a forecast, you should give an estimate of your expected turnover for the new year. You will need to submit a contract for services and make an estimate of your costs. The forecast is made on the basis of amounts exclusive of VAT.
Debts
If you have more debts elsewhere, you must report them. You are probably BKR-registered. The purchase of a mobile phone on instalments is also registered these days. Just like the overdraft on a credit card or the lease of a car. You understand, the higher the debts, the lower the mortgage will be.
Savings
The purchase price is 100% reimbursed by most banks. You will also have to deal with other costs. The higher the price of the property, the higher these costs will be. These are, for example, appraisal costs, notary fees, brokerage fees. And then there is renovation and furnishing.
Contact
Contact us for a personal meeting. This can be done in Haarlem or Amsterdam or of course via skype or 06-13936399.
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We provide the annual accounts for the application for a mortgage to our client, the self-employed person. We do not respond to requests from mortgage lenders to create an account on websites recommended by them in order to read files, create files or calculate things for the mortgage. This is not part of our service. We explicitly do not do business with De Hypotheker and do not respond to their emails or requests. There is only direct customer contact. Requests from De Hypotheker to the customer are not and cannot be granted.
