Obtaining a ZZP mortgage (Dutch: ZZP hypotheek) and considering interest on a savings account at NIBC in the UK provides self-employed individuals (ZZP’ers) with a solid financial strategy to realize their housing needs while also growing their savings. In this comprehensive article, we discuss the advantages and possibilities of obtaining a ZZP mortgage and opening a savings account with attractive interest rates at NIBC, and provide a detailed overview of the steps required to apply for these financial products.

ZZP mortgage at NIBC 

As a self-employed entrepreneur, obtaining a mortgage can be a challenge, but at NIBC, the needs of ZZP’ers are specifically taken into account. Here are some benefits of obtaining a ZZP mortgage at NIBC:

1. Customized advice: At NIBC, you receive personalized advice from experienced mortgage advisors specialized in mortgage applications for ZZP’ers. They assist you in finding the mortgage that best suits your financial situation, preferences, and future plans.
2. Flexible acceptance criteria: NIBC employs flexible acceptance criteria for ZZP’ers, allowing even self-employed individuals without a fixed employment contract to qualify for a mortgage. This includes evaluating the results of previous years and expected future income.
3. Attractive interest rates: The ZZP mortgage from NIBC offers competitive interest rates, allowing you to benefit from favorable interest rates throughout the duration of your mortgage. This can help keep monthly expenses manageable and provide financial security.
4. Flexible terms: NIBC’s mortgage products have flexible terms, allowing you to tailor the mortgage to your specific needs and circumstances. This includes the mortgage amount, duration, fixed interest period, and repayment method.

Savings account interest at NIBC 

In addition to obtaining a mortgage, NIBC also offers the opportunity to save interests (Dutch: rente op spaarrekening) at attractive rates. Here are some benefits of opening a savings account and the interest on the savings account at NIBC:

1. Attractive interest rates: NIBC offers attractive interest rates on its savings accounts, allowing your savings to yield optimal returns. With a savings account at NIBC, you benefit from a competitive interest rate that steadily grows your wealth.
2. Safety and security: At NIBC, the safety of your savings is paramount. You can trust that your money is securely deposited with a reliable and solid financial institution, and you can benefit from the protection of the Dutch deposit guarantee scheme.
3. Flexible access: With a savings account at NIBC, you have flexible access to your savings. You can deposit or withdraw money at any time without incurring extra costs. This gives you the freedom to use your savings as needed.
4. No hidden costs: NIBC maintains a transparent policy regarding costs and fees. There are no hidden costs associated with opening or managing a savings account, ensuring you always know exactly where you stand.

How to open a ZZP mortgage and savings account at NIBC?

Opening a ZZP mortgage and savings account at NIBC is simple and straightforward. Here are the steps to follow to apply for these financial products:

1. Educate yourself: Start by learning about the various mortgage options and savings products that NIBC offers for ZZP’ers. This will give you a clear understanding of the options that best suit your financial situation and goals.
2. Make an appointment: Next, schedule an appointment with a mortgage advisor from NIBC who specializes in mortgage applications for ZZP’ers. During this meeting, the advisor will assess your financial situation, discuss your needs and goals, and advise you on the best mortgage and savings solutions for you.
3. Complete the necessary documents: After the advisory meeting, you will receive an overview of the required documents and information to submit your mortgage application and open a savings account. Make sure to provide all requested documents complete and correct.
4. Submit the mortgage application: Once you have provided all the necessary documents, NIBC will process your mortgage application. This includes a financial assessment and evaluation of your creditworthiness as a ZZP’er.
5. Open a savings account: Simultaneously with submitting your mortgage application, you can also open a savings account at NIBC. This can often be done online or during an appointment at a bank branch.
6. Acceptance and conclusion: If your mortgage application is approved and your savings account is opened, you will receive an offer from NIBC. If you agree to this offer, the mortgage will be finalized, and you can start saving and realizing your financial goals for the future.