"people basically think of you as an insolvency waiting to happen. This is particularly true for banks." In CZ, self-employed people get mortgages regularly. Y

"people basically think of you as an insolvency waiting to happen. This is particularly true for banks." In CZ, self-employed people get mortgages regularly. You need to show last, I think, two? tax filings and if your income after taxes was OK, you are good to go. So unless you are heavily "tax optimizing", you should get the mortgage. If you go bankrupt anyway, the bank has a priority claim to sell your house. Getting a business loan is trickier, though. Nothing similar to the SV VC culture exists here.