Embarking on the journey to secure a mortgage in the Netherlands? Understanding the essential documents is your key to a successful application. Whether you’re a first-time buyer or an expat exploring the Dutch real estate market, knowing the required paperwork is vital. Join us as we break down the checklist, empowering you with the knowledge needed to make your dream home a reality.

Prepare these documents in advance before applying for a mortgage to alleviate stress. Below, you’ll find a checklist of required documents for a mortgage application in the Netherlands.

1. Proof of Income

The cornerstone of a Dutch mortgage lies in your loan-to-income, making your earnings a crucial factor for mortgage lenders. For those permanently employed in the Netherlands, the following documents are required:

If you’re permanently employed in the Netherlands, you need the following documents:

1. Your latest payslips (not older than two months).
2. An employment statement (not older than two months), obtainable with the assistance of your HR department.
3. Your employment contract.
4. Personal income tax returns for the previous year.
5. A confirmation letter for the 30% ruling (a tax advantage for expats).

If you’re self-employed, you need the following documents: 1. Corporate tax returns for the past three years.*
2. The personal income tax returns for the past three years.*
3. The annual figures for the past three years.*
4. The forecast for the current year.
5. The extract from the Dutch Chamber of Commerce.
6. The shareholder’s agreement.

2. Proof of Assets

Mortgage lenders request bank statements for both your checking and savings accounts. Their scrutiny is focused on verifying these statements against the income you’ve disclosed, without delving into other details. Additionally, it’s crucial to document and confirm any other assets you possess, such as investment or retirement accounts, or any other real estate you may already own.

3. Proof of Debt

Mortgage lenders examine your credit history through Stichting Bureau Krediet Registratie (BKR) to understand your past and existing debts. They assess the following credits: 1.Private lease car.
2. Smartphone subscriptions.
3. Ground Lease.
4. Credit limits.
5. Credit cards.
6. Alimony payments.
7. Student debts.
8. Other loans.

4. Documents about the property

Mortgage lenders seek clarity on what they’re financing, necessitating the submission of documents related to the property. The required documents include: 1. The fee of the realtor.
2. The purchase agreement.
3. The valuation report.
4. The specification of your renovation.
5. The structural report.

5.Other documents

If someone seeks a loan of several hundred thousand euros from you, understanding who the recipient is becomes crucial. Hence, we require a copy of your passport and residence permit. Additionally, we need details regarding: 1. Your pension 2. Your employment

This is not a complete list of documents. depending on your case you may need to submit additional document. discuss with your mortgage adviser to know which additional document you will need.