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If you are going to buy a house, you need to gather all kinds of information such as pay stubs, debts such as student debts you may have, what your fixed expenses are, and so on.
Below we tell you what all you can bring to your first meeting, so that the mortgage broker can put together a proper and complete mortgage application for you and advise you.
Do you qualify for a pre-checked mortgage? Then points 9 and 10 do not apply and you can take out a mortgage immediately.
You need the following information to apply for a mortgage:
- Copy of your passport (and your partner’s)
In order to properly process the data on the mortgage and purchase deed, all personal information is needed.
- Payroll
If you are salaried, you can easily show a pay stub that can be used to determine how much mortgage you can get based on your income.
- Annual Statement
An annual statement shows you what your income was for the past year.
- Income statement (annual figures) for entrepreneurs
Are you an entrepreneur? Then you will have to hand over more information to the bank. Usually you will need an official income statement to show how your business is doing and how liquid you are.
It looks at sales and profit trends over the past few years. On that basis, it is determined whether and how much mortgage you can get.
- Current bank and savings account statements.
The mortgage lender wants certainty in your financial situation. Statements will show you whether you can handle setbacks or a bridge loan.
- Printout from mijnpensioenoverzicht.nl
Because the mortgage often continues beyond your retirement, it is good to leave how much retirement income you will receive. That way the bank knows you can meet your obligations even then.
- A statement of your debts or existing financial obligations
If you already have monthly obligations, for example in the form of a private lease for your car, this will affect your maximum mortgage amount.
A BKR check is done by a bank anyway to get a picture of your personal financial dealings.
- A statement from DUO
Do you have a study debt? Then you need an overview from DUO to show how much debt you still have.
Do you already have your eye on a house?
- Provisional sales contract or contractor agreement
If all the personal information is known and a maximum mortgage amount is known, then the purchase contract or construction agreement can be used to determine whether you can buy the house.
- Overview of estimated costs for a remodeling or preservation project
If you have sufficient financial room, you can co-finance additional requirements with the total mortgage. You will then have to show a statement or quotation to apply for the financing.
Do you own a home what you have yet to sell?
- Appraisal Report
Using a recent appraisal report shows you how much money you take with you in addition to the income you enjoy. That way, your total financial room is determined.
Ask your mortgage broker what other documents you need.
Mortgage2Go
Do you have certainty about what you can borrow maximum for a mortgage and want to be financially verified before you start house hunting?
Then Mortgage2Go offers the solution. With a pre-checked mortgage, you can be sure you can afford your dream home.
Do you meet the requirements? Start an application for a pre-checked mortgage!
Relevant information:
How do you get started with a mortgage?
