Which documents do you need for your mortgage?

Valid ID

Passport or national ID card, a colour scan of front and back. Lenders usually don't accept a driver's license.

Recent payslip (loonstrook)

From the most recent month. Lenders usually don't accept a payslip older than two or three months.

Employer's statement (werkgeversverklaring)

Your employer completes the form, you only ask for it. The income must match your payslip exactly, and the statement is often valid for two or three months at most.

The form is attached to your appointment confirmation

Supplementary disability cover, completed by your employer (aanvullende voorzieningen)

Your employer states what is arranged on top of the statutory rules if you become unable to work. I use this form for your advice.

The form is attached to your appointment confirmation

Annual income statements (jaaropgave) for the last three years(If applicable)

Mainly with bonuses, overtime or variable income. Your employer or payroll portal has them. A lender then often looks at the three-year average.

Pension overview (pensioenoverzicht)

Download yours from mijnpensioenoverzicht.nl, log in with DigiD.

Overview of your credit registrations (BKR)

Request it free at mijnkredietregistratie.nl. That way you know in advance what the bank sees.

Overview of your student debt (DUO)(If applicable)

Only if you have a student loan. You download the overview with your balance and repayment plan from Mijn DUO, using DigiD.

Overview of your insurance and investments(If applicable)

Do you have life insurance, an annuity, a savings account or investments? Then a recent policy or annual statement for each.

Overview of own funds

Recent statements of your current and savings accounts, showing your name, IBAN and balance. Many lenders want three full months of transactions.

Signed purchase agreement (koopovereenkomst)(If you have it)

As soon as your offer is accepted and the agreement is signed.

Validated appraisal report (taxatierapport)(If you have it)

I'll help you find an appraiser (taxateur) accepted by lenders. The report must be validated and is usually no older than six months.

Renovation specification (verbouwingsspecificatie)(If applicable)

Paying for the renovation from a construction deposit (bouwdepot)? Then the lender and the appraiser need a correctly completed renovation specification. You enter the cost per item (an estimate is enough at first), mark what you do yourself, and sign the form. The appraiser uses it to value the home after the renovation.

The form is attached to your appointment confirmation