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Documents needed to apply for a mortgage as an expat
Applying for a mortgage as an expat in the Netherlands requires several key documents to demonstrate your financial stability and eligibility. Here is a list of the essential documents you will need:
Proof of identity: valid passport or national ID card.
Residence permit: valid residence permit if you are from outside the European Union (EU), European Economic Area (EEA), or Switzerland.
Proof of income: Recent payslips (typically the last three months), an employment contract and a letter from your employer confirming your employment status, position, and income. If you are self-employed, you will need to provide tax returns, financial statements, and possibly additional documentation demonstrating the stability of your income.
Bank statements: recent bank statements (usually the last three to six months) showing your income and expenditures.
BSN (Burger Service Number): your Dutch citizen service number, which you receive upon registration in the Netherlands.
Credit report: a credit report from your home country may be required if you have been living in the Netherlands for a short period. The lender will also conduct a Dutch credit check.
Proof of savings: evidence of any savings you have, which can contribute to the down payment and closing costs.
Housing costs: information about any current housing costs, such as rent or mortgage payments.
Tax returns: recent tax returns, particularly if you are self-employed.
Additional documentation: depending on the lender, you may need to provide additional documentation, such as proof of previous employment or rental history. Some lenders may request a recent utility bill or a rental agreement as proof of address.
- We always aim for the best fitting offer
- Always reliable, your personal advisor
We always strive for the best-fitting offer
We compare for you with over 40+ lenders, always independent!
Always reliable, your personal advisor
For all your questions, you have contact with one advisor, whom you can rely on!
Your first consultation is always free and without obligation
Schedule an introductory meeting this week, even in the evenings!
Tell us about you
We'll ask you about you're:
Income
Savings
Current living situation
Desired outcome
We'll search and compare our 40+ lenders - free of charge
We will check your borrowing capacity. We will also carefully discuss your situation. We will give a clear indication of your expected monthly costs, tailor made to your situation.
Get a pre-approval certificate from our advisors - increase your changes of making the winning offer free of charge
In our pre-approval certificate, we state that we carefully checked your offer. We calculated your maximum mortgage given your situation against the criteria of a wide range of providers. This gives more certainty for the selling party, putting you ahead in the bidding process.
Open questions? In need of additional calculations? - Contact us without limit free of charge
We understand that closing a mortgage might be a stressful process. Maybe you didn't make the wining offer and require a recalculation for another property. Or you might not be sure if increasing the mortgage for that big renovation is the right thing for you. That's why we don't put a boundary on our introduction phase. Do contact your advisor with your questions — we like to help.
Our free orientation - How it works
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