A mortgage is a loan with a special security right. This security right means that if you can no longer pay your mortgage, the bank may sell the house through foreclosure. This security right is recorded at the notary by means of a mortgage deed, which is registered in the mortgage register.
Granting a mortgage is largely determined by the self-employed person’s qualifying income. This is done by requesting the realized figures for the past period together with a forecast for the current year.
There are various types of mortgages with different interest rates. These in turn depend on the chosen fixed-interest period and the mortgage conditions. As a financial and mortgage planner, we particularly take into account the affordability of the new mortgage costs by determining the qualifying income of the self-employed entrepreneur.
We believe it is important to be able to work with all lenders. This way we can compare properly and give you independent advice.
