Documents for a mortgage orientation consultation

What you need for a mortgage appointment

A mortgage orientation consultation is intended to explore whether or not you can get a mortgage, and how much you would be able to borrow. Find out what documents to bring to an orientation appointment.

If you have already had a mortgage orientation consultation, check what documents to bring to a mortgage advice consultation.

DigiD code

Many of the documents you need can only be downloaded with your DigiD credentials. During the consultation, your adviser will let you log in using your DigiD, so that the right documents can be downloaded there and then.

Personal data

Proof of ID

A valid passport, valid ID card or residence permit (a driving licence is not accepted as proof of ID). Proof of ID is not needed for a video conference appointment.

Have a mortgage elsewhere?

If you already have a mortgage with another provider, you will need to show us a statement for that mortgage.

Marital status details

You are married: marriage certificate (or ‘trouwboekje’ if you got married in the Netherlands) and/or prenuptial agreement
You are living together: cohabitation contract
You are divorced: divorce covenant, civil register extract and divorce order

Your income details

Paid employment

Your most recent payslip (not older than 3 months)
An employer’s statement (not compulsory) from your employer (not older than 3 months)

Entrepreneur or company director and major shareholder:

The full financial statements for your company or companies for the past 3 years.
Your full income tax returns for the past 3 years. If you are the director and major shareholder of your company, please also bring your most recent payslip and annual income statement.

Temporary employee or employee on a fixed-term contract

Your most recent payslip (not older than 3 months)
The annual income statement(s) issued by your employer(s) and/or benefits for the past 3 years
An employer’s statement (not older than 3 months).
If possible: an employment prospects statement (temporary/flexible staff)

State pension, (pre-)pension, early retirement or benefits

Statement from the Employee Insurance Agency (UWV) granting you unemployment benefits (WW), benefits under the Work and Income based on Capacity for Work Act (WIA) or other benefits
Details of your income from a state pension, early retirement, (pre-)pension. You can find these details on your Uniform Pension Statement (UPO) and online on ‘mijn pensioenoverzicht’. Your pension provider will send you a Uniform Pension Statement every year.
If you are having trouble downloading pension details from the online ‘mijn pensioenoverzicht’ platform or downloading your Uniform Pension Statement, please bring proof of pension payments into your account (both for a private pension and your state pension).

You receive spousal maintenance

Details of your income from spousal maintenance. You will find these details in your divorce covenant. Child maintenance does not count towards your income in calculating your mortgage options.

Service Information Document and Terms & Conditions

To find out what exactly we will do for you, and what products and services you can expect us to provide, please read our Terms and Conditions and our Service Information Documents (Dienstverleningsdocument). Read these documents to know exactly what to expect.

Support from A to Z

A personal mortgage adviser: from the early stages of your house hunt until the mortgage has been secured.

25 years’ experience

Dutch mortgage market leader and expert in expats.

Service in English

The whole process and mortgage application are in English, with English-speaking mortgage advisers.

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