Do you have your own BV, such as a holding company or operating company, and have money left over for a mortgage? Then a mortgage from your own BV can be a good option. In that case, you do not borrow from the bank, but from your own company. The advantages? You can read more about that here.
What is a mortgage from your own BV?
The name says it all: a mortgage from your own BV is a sum of money that you borrow from your own BV to buy a house. In this case, your BV becomes the bank.
Purposes of the mortgage
What do you want to use the mortgage with your own BV for?
- Own home mortgage at your own BV
- Buy to let mortgage at own BV
- Family mortgage at own BV
When can you take out a mortgage from your own BV?
You can take out a mortgage from your own BV if you have enough liquid assets within the BV to be able to provide the loan painlessly. Your own BV does not have to adhere to the same rules regarding a responsible mortgage. The TRHK only applies to providers of mortgage credit, such as banks, insurers and pension funds. .
Do you have a private mortgage with a bank? Then it may be attractive to (partially) repay this and instead take out a loan from your own BV. If you pay interest, you will receive it within your own company. The best time to repay part of your mortgage is when the term of the fixed-rate period ends. You can then usually pay off penalty-free.
How does it work?
Setting up a mortgage from your own BV works as follows: you first draw up a mortgage agreement with your own BV. A notary can help to record the agreements in writing by drawing up a mortgage deed. In this you determine, among other things, the term and mortgage interest. You pay interest to your own BV instead of to the bank. This mortgage interest is simply tax deductible from your income. With a mortgage with your own BV you can realize a tax deduction (in Dutch called hypotheekrenteaftrek) in private.
You therefore pay repayment and interest to your own BV. The interest is generally taxed in the BV. You pay corporate tax (Vpb). However, after paying tax and dividend tax, your mortgage interest can be paid out to your private person. Curious when it becomes interesting to take out a mortgage from your own BV? You can have this calculated at Bliss by an adviser. An advisor also helps you with insight into the pros and cons for your personal situation.
Refinancing mortgage through your own BV
Due to interesting investment opportunities and tax changes, more and more private individuals are considering purchasing their mortgage with their own BV. to close. The historically lower mortgage interest rate and good opportunities for entrepreneurs to finance their home with a regular provider certainly contribute to this.
Are there any other options as an entrepreneur?
Do you not have enough money to take out a mortgage from your own BV? There are as DGA certainly options to get a mortgage from the bank. Would you like to calculate how much you can borrow from the bank with your income from your own company? Of course you can also contact a Bliss advisor for all your mortgage questions. He or she will help you find the best mortgage for your situation, so you can be sure that you are in the right place for the coming years!
