Many people think that without an werkgeversverklaring it is not possible to buy a house in the Netherlands. In reality, this is often not the case. Not having this document does not automatically mean you cannot get a mortgage.
What is a werkgeversverklaring?
A werkgeversverklaring is a statement from your employer that confirms your employment and financial situation. It includes information such as:
• your income
• type of contract
• start date of employment
• bonuses and overtime
Banks use this document to assess your mortgage capacity. In practice, however, it often causes problems — it may contain errors, require multiple corrections, or delay the entire process. Additionally, not everyone wants to inform their employer about plans to buy a home.
Can you buy a house without a werkgeversverklaring?
Yes, in many cases it is possible. This applies especially to people who:
• work through an agency (phase A/B)
• have a temporary contract
• are changing jobs
• prefer not to request documents from their employer
In these situations, banks can rely on alternative data.
Alternative – data from UWV
Instead of a werkgeversverklaring, you can often use data from UWV.
After logging into Mijn UWV (using DigiD), you can download:
• the Arbeidsverleden document (employment history)
• your income data
For many banks, this is sufficient to assess your mortgage eligibility. It is important to share this document digitally, as the UWV certification is not visible on printed versions.
What does the bank take into account?
Banks do not rely on just one document. They assess your overall situation, including:
• income from recent years
• employment continuity
• financial stability
• existing obligations (BKR)
That is why even if your situation is not “perfect,” you may still qualify for a mortgage.
Why is it worth checking your options?
Buying a house in the Netherlands is a real alternative to renting for many people. Instead of paying rent, you start building your own capital and gain more long-term stability.
In many cases, people find out they can buy sooner than they expected.
How can Domek.nl help?
At Domek.nl, we make arranging a loan or mortgage in the Netherlands simple and stress-free. With more than 15 years of experience and a team of 100+ professionals, we help internationals understand their borrowing options, compare lenders, and find the solution that fits their situation.
Our advisors guide you through the entire process — from calculating your borrowing capacity and comparing offers to explaining the conditions and preparing the application. If you decide to buy a home, we handle all the formalities before the purchase, during the process, and after the property transfer.
This means you don’t have to figure everything out on your own, even if your situation is more complex or does not fit the standard requirements.
Check your situation
If you are not sure whether you can buy a house without a werkgeversverklaring, it is worth checking based on real data.
We can determine:
• how much you can borrow
• whether buying is possible
• what your options are
In many cases, the answer is positive — even without an employer statement.
You can call us at 088 1021 500, send an email to info@domek.nl, or fill in the contact form to get started.
