How to submit your Dutch mortgage documents?

* These checklists contain the standard documents for a Dutch mortgage application. However, all mortgages and lenders differ. Depending on your personal situation, your mortgage lender might want to see additional documents. Your advisor will tell you as soon as possible.

Your privacy is important, especially when it comes to personal documents like those you need for your mortgage application. Like your passport and information about your information. Therefore always upload your documents to your secure Hanno account. That's much safer than emailing.

If you scan several documents at once, your computer sometimes merges them into one file. Mortgage lenders don't accept your documents this way. You'll have to create separate files for each document. 

Example
A file that contains scans of your ID and your partner's ID, won't be accepted by the lender. You should make a separate file for each ID.

It's essential that you name your documents correctly. This prevents errors on our side and the side of your mortgage provider. Follow these instructions to name your files:

1. Surname-Surname: a file name always starts with your last name. Do you buy with partner? First enter the surname of the man (or oldest person), followed by the women's maiden name.
2. File type: what kind of document is this? Passport, payslip, employer's statement etc.
3. Who does it belong to: buying with a partner? Indicate who's the document about by specifying the surname (or maiden name).
4. Property: are you moving to your next home? Indicate whether the document concerns your current OR your new home, and the address of this home.

Example

• Clients Karl Schmidt and his wife Helga Schmidt-Koch. 
• Moving from Kreekpad 4 (current home) to Oude Dorpsstraat 11 (purchased home).

Passport Karl: Schmidt-Koch passport Schmidt
Payslip Helga: Schmidt-Koch payslip Koch
Appraisal report current home: Schmidt-Koch appraisal report current home Kreekpad 4
Preliminary Purchase agreement new home: Schmidt-Koch purchase agreement new home Oude Dorpsstraat 11

Most mortgage lenders only accept PDF files, so always submit your documents as PDFs.

It's very easy to convert other file types to PDF. Like Word, jpg or png files. How you convert your files to PDF depends on the operating system of your computer.

Save as PDF

• Windows: 'print' a file as a PDF file via the virtual pdf printer. In the menu, go to File> Print and select Microsoft Print to PDF.
• Mac: create a PDF by saving a file again or converting it. In the menu, go to Save as and select PDF as file format. Or choose File > Export as PDF.

Edit PDF

When you want to edit a PDF, for instance rotate, merge, change the order or reduce the size?

• Windows: has no free tools for this. You can use paid tools such as Adobe or a free online tool.
• Mac: via Preview.
• Online tools: online you can find free tools such as ilovepdf or smallpdf. Always check the privacy conditions of a free tool to make sure your information is safe.

Make sure your documents are saved upright. Not tilted sideways or upside down. With Mac it is possible to run pdf files in Preview. For Windows you need to use a different tool (see above).

You must autograph the mortgage offer documents in writing, with a pen. Just like in the old days. An electronic autograph would save you a lot of work, but is also vulnerable to fraude. That's why mortgage lenders don't accept electronically signed documents.

Number your pages and make sure the order is correct. This way you won't accidentally forget to submit an incomplete document and your mortgage application will be processed faster. 

When a document consists of multiple pages or scans, merge them into one file. 

Example
Your mortgage lender needs the front and back of your passport. Often people submit 2 separate scans. Unfortunately, you can only submit 1 file for your passport to the mortgage provider. Therefore you'll have to merge both scans into 1 file.

Yes, size does matter. The size of your files can't be too large. The smaller the better, with a maximum of 10 MB.

Is your file too large? Reduce your PDF file online. Or with Mac: choose "save as" and adjust the size down.

Some documents the lender needs for your Dutch mortgage, you only have to pass them on, like the appraisal report, structural report and the preliminary purchase agreement. However, there are also documents you'll have to collect yourself. Please read the guidelines of some standard documents to make sure you'll submit them correctly. 

A (valid) ID card or passport. Mortgage lenders don't accept your driver's license.

• Scan is in color (not in black and white)
• Front and back, with white borders and the top of the passport

Are you employed? Then we need your payslip.

• Less than 3 months old
• It shows the bank account number on which your employer deposits your wages

An employer's statement can be filled in digitally or by pen, but the file must always be signed in writing by your employer (with pen). An electronic signature is not valid.

• All fields are filled out
• The statement has been completed by 1 person
• With the same pen
• Less than 3 months
• Signed in writing (not electronically)
• For declaration of intent: an additional (written) signature and a company stamp
• If your company has no stamp: a separate letter in which your employer declares this

When you're self-employed it's mandatory to include your income history of the last 3 years. You can request this information from your tax adviser or accountant.

• Corporate tax returns
• Personal income tax returns
• Annual figures with an explanation
• Forecast of the current year
• Extract from Dutch Chamber of Commerce (KvK)

Your mortgage lender needs overviews from the bank account of which they'll collect the mortgage and your savings account. You can make print screen or download digital overviews. 

• Include name of you account holder, balance, account number (IBAN) and date
• Don't strikethrough or cross out anything!
• Less than 3 months old

When you're not an EU, EEA or Swiss citizen, you need a residence permit to apply for a Dutch mortgage.

• Scan is in color
• Front and back

Do you have a student loan from DUO? You are obliged to share this with your mortgage lender. You can find an overview of your study dept by logging in to My DUO. 

You need to make 2 different print screens:

1. Click on Study debt > details and make a print screen
2. Click on View debt history and make a print screen with your current balance and your repayment schedule

The following information must be visible:

• Your name and the date
• Current and original balance
• Amount of the monthly payment

Do you have a loan or credit? Submit a copy of the loan agreement. You can make a print screen or send the last statement as a PDF. The following information must be visible:

• Name, balance and account number
• With revolving credit: your credit limit

You can draw up a gift agreement yourself or ask your mortgage adviser. The agreement must contain the following information:

• Donation date or starting date of the loan
• Names and signatures of the contributors and recipients (you!)
• Amount involved
• Interest rate and term of the loan (not in the case of donation)

You can download your Dutch pension overview via Mijn Pensioenoverzicht.  

• Download the complete statement, a print screen isn't enough

If you're going to renovate your home or want to have extra work carried out on your new house, you must provide a specification with an estimate of the costs (you don't need exact numbers).

• Costs have to be specified under the correct description
• Specification has to be filled in completely
• Specification is signed by you and your partner