Commercial vs. consumer
There is a big difference between investing in property commercially as a professional and as a consumer. For example, consumer investment is regulated by the AFM, professional investment is not. For consumers, there is the same income assessment as for a normal mortgage (under certain conditions the future rent can be added to your income), while in commercial investment the rental stream is the main factor.
There are mortgage providers that only service the professional market, while others are only for consumers, or service both markets (the articles on the pages of the lenders are all in Dutch).
NIBC, Lloyds, RNHB, ING, Woonfonds, NN, Handelsbanken, Rabobank, Dynamic Credit, etc.
NIBC, Domivest, RNHB, ING, Handelsbanken, DCMF, Fiduciam, Mogelijk, etc.
When do you qualify as a business or a professional?
There are no hard and fast rules for this. For most lenders you qualify as a business if you own 5 properties or more, or you present a plan for owning 5 properties in the next few years (with financial details showing that you have the means to fund this). If you already own property and the rental stream is €35,000 or higher and/or comprises more than 30% of your total income, this may also be a reason to qualify you as a professional.