The employment contract states all the mutual agreements between an employer and an employee. This document is not the same as the employer’s statement.

Why do I have to submit this?
In some cases, a mortgage provider will ask to see the employment contract for an extra check in addition to an employer’s statement. This may be required if for instance you have been employed for a relatively short time or you are on an ex-pat contract.

Submit a bank statement as well. You can easily download a digital statement using internet banking, or make a print screen. You should save this document as a .pdf file.

Please note!
Make sure that the statement shows:

• Your name or both names in case of a joint account.
• Your current balance.
• Your IBAN.
• A recent date (not more than two months old)

Do not make any changes to the statement yourself, such as crossing out or blacking out information. If you have to submit a bank statement for a gift or loan agreement, make sure that the amount gifted or lent is visible on the statement.

If you have a variable income element, this can be included in the calculation of the maximum mortgage you can obtain. The conditions vary per lender. We would therefore like to have a statement of your variable income in the past 3 years so that we can include this in the application to each lender.

You can apply to the Credit Registration Bureau (the BKR, or Bureau Krediet Registratie) for a list of the credits registered in your name for a charge. A credit will affect the amount you can borrow. This may be a loan, but the listing also includes credit cards and any overdraft facility on your current account. Whether you currently use this facility or not makes no difference.

A lender will always carry out a BKR check for mortgage applications to obtain insight into your credit status. You do not have to apply for this check if you plan to borrow significantly less than the maximum possible on the basis of your income. It is also not necessary when you know for sure that you have never been in arrears with your payments.

Please note!

• Make sure that the name of the debtor is stated.
• Make sure that the amount of the debt is shown
• Make sure that the type of credit is stated.

Your student debt will be included in the calculation of the amount of your mortgage. Log in to the DUO website if you have a repayment obligation due to student debt. You can easily print out a summary. If you are logged in, click on the ‘Details’ button under ‘Studieschuld’ (Student debt). Make a print screen of this summary and save it as a .pdf file. Also make a print screen of your debt history. You will find this under ‘aflosplan’ (repayment plan) and ‘bekijk schuldhistorie’ (view debt history). Then click on the bar ‘Saldo studieschuld aflosfase’ (Balance student debt repayment phase).

Please note!

• Is the name of the debtor stated?
• Is the amount of both the original and the current debt shown in the print screen?
• Is the current monthly payment stated?

When taking out a mortgage, we also consider the risks of occupational disability, unemployment or death. In some cases your employer will have taken out insurance. Your employer can state the policies concluded using the additional provisions form.

The customer profile ensures that a financial product is recommended that is appropriate for your wishes, needs and financial possibilities. Your adviser can give appropriate advice on the basis of this form.

The employment history of employees is available from the UWV (Employee Insurance Agency). We use this information among other things to determine your financial situation in case you become unemployed or unfit for work.

You can download the data from Mijn UWV. You will need your DigiD for this.

In many cases you will have to contribute your own money to obtain the mortgage. The lender wishes to see that this money is available. You can easily download a digital statement using internet banking, or make a print screen. You should save this document as a .pdf file.

Please note!
Make sure that the statement shows:
Your name or names in case of a joint account.
Your current balance.
Your IBAN.
A recent date (not more than two months old)

Identification
You will need a copy of your passport or identity card as proof of identity. Make sure that you make a colour scan and that your proof of identity is still valid. All the edges must be visible and nothing else must be visible besides your passport or identity card. You should also scan the reverse of the first page where your citizen service number is shown.

Income tax return
You can call up and download your income tax return for the past year online at Mijn Belastingdienst . Log in using your DigiD and save the return as a .pdf file. If you have a business, ask your accountant or tax adviser for your tax return.

The tax return is used to check your financial history, and allows the mortgage provider to check whether you have earned sufficient income in the previous year.

Please note!
Make sure that you submit the complete return and not only the summary calculation. If you have your own business, make sure that you submit the return to the Tax & Customs Administration and not the ‘explanation of income’ (‘toelichting inkomen’) from your accountant.

Please send us your most recent UPO or a print of www.mijnpensioenoverzicht.nl. With the information in these documents we can inform you of the consequences at your retirement age and we can work out the consequences for your surviving dependants.

You must submit a salary statement that is not more than 3 months old.

Why do I have to submit this?
A salary statement is required in order to check the income stated in the employer’s statement.

If for example your family members want to make a financial contribution to your home, the lender will ask for a gift or loan agreement. Your adviser can assist you regarding the contents of this document. For a gift or loan agreement, you always submit a copy of your proof of identity and a bank statement from the giver(s) or lender(s).

Please note!
Make sure the following information is shown:

• The gifting date or start date of the loan.
• All the names of those involved.
• The amount you have received.
• The interest rate and the term (in case of a loan).
• Signatures of all those involved.

Download our model employer’s statement and ask your employer to complete it and sign it. Your mortgage provider needs an employer’s statement to assess whether the mortgage you apply for is appropriate to your income. This document also states the type of employment. If you have a permanent contract, in most cases you will still need an employer’s statement.

Please note!

• Make sure that the form is completed in full.
• Sign the form, attach a company seal and state the name of your contact person.
• Make sure that the employer’s statement is completed without corrections and using a single colour pen. Preferably blue.
• The statement may not be more than 3 months old.

Specification of additional work or renovation
Download the model form for renovation specification. This concerns an estimate of the costs of renovation or additional work. Not the exact amounts involved. This specification can be used to estimate the works for which you will use the home improvement account.

The signed purchase contract will contain all the details relating to the property you wish to buy, including the purchase price, the date of transfer and the suspensory conditions.

Please note!
Make sure that the purchase contract is signed by all parties.

In most cases, the mortgage provider will require a valuation report. The bank sees your home as collateral. A valuation is used to establish the value of this collateral objectively. We can arrange a valuer for you. Ask us about the possibilities

Income tax returns
The income tax returns are needed in combination with the annual figures to establish the income of an independent business operator. The book-keeper or accountant usually has a copy. Alternatively, a copy can be downloaded from www.mijnbelastingdienst.nl.

If you already have an invalidity insurance or a term life insurance, please send us a copy of your policy. After looking at your policy, we can determine whether it is best for you to leave it in place or we can arrange a policy for you on better conditions.

The balance of your current mortgage is required in order to show the amount of the debt. We can use this information to determine the amount of any bridging loan or to indicate the amount covered by what is known as transitional law.

Please note!
You must submit a statement that is not more than 2 months old that shows your name, the date and the balance.

If your current property has not yet been sold, the lender will ask for a valuation report in order to determine the property’s value. If your property has been sold, you will be asked to submit the signed deed of sale.

This is a deed executed by the civil-law notary that you will need if you are divorced or have ended a relationship and when one of you will take over the property. The departing partner is in this case discharged of joint and several liability for the mortgage debt.

If one of the partners wishes to remain in the property after termination of the relationship, the property has to be allocated to the partner concerned. Legally, this has to be effected through the civil-law notary because an immovable property is involved.

Once the court has ruled on the divorce, this is entered into the registers of the municipal database. The lender will require a copy of the divorce ruling for the mortgage application.

A divorce agreement is a document that lists the consequences of the divorce. Various legal agreements are established in the divorce agreement. These include agreements on the (owner-occupied) property, maintenance and pension. An agreement on an owner-occupied property will state who will continue to live in the property and the proportion of the mortgage and other owner’s costs to be paid by each party. Or how the sale of the property will be arranged.

If more than 3 months of a year have passed, a lender will want to know the outlook for that year. Ask your accountant to prepare an overview of your already realised revenue and a forecast for the rest of the year.

Please note!

• The more detailed the forecast that is submitted, the better.
• The forecast must be signed by your accountant.