Many internationals working through employment agencies in the Netherlands assume that buying a home is impossible. Not having a permanent contract is often associated with an automatic mortgage rejection. In reality, things look different.
More and more Dutch banks now consider the actual employment situation and income stability of people working through employment agencies. This means that even if you work on a phase A or phase B contract, you may still have real chances of buying your own apartment or house.
In this article, we explain:
- whether you can get a mortgage while working through an employment agency,
- what a Perspectiefverklaring is,
- how banks assess temporary agency workers,
- which documents are required,
- and how to improve your chances of getting a mortgage in the Netherlands.
Can you get a mortgage while working through an employment agency?
Yes. Working through an employment agency does not automatically exclude you from getting a mortgage in the Netherlands.
For banks, the most important factors are:
- whether you have stable income,
- your employment history,
- and your future job prospects.
In practice, many people working through uitzendbureaus can get a mortgage — even without a permanent contract.
Phase A and Phase B contracts – what do banks look at?
Many agency workers in the Netherlands work on:
- phase A contracts,
- or phase B contracts.
The contract phase itself is not always the most important factor. Banks look at your entire employment situation.
This includes:
- length of employment,
- income consistency,
- industry,
- number of working hours,
- and overall job stability.
This means that even people working on phase A contracts may still qualify for a mortgage in some situations.
What is a Perspectiefverklaring?
A Perspectiefverklaring is one of the most important documents for people working through employment agencies in the Netherlands.
This document shows the bank that:
- you have a stable position on the labour market,
- there is a strong chance of continued employment,
- and your income is stable enough to repay a mortgage.
As a result, banks may assess your mortgage application more positively.
When can you get a Perspectiefverklaring?
It depends on your situation and the employment agency.
Banks and agencies usually look at:
- your employment period,
- work history,
- income level,
- and employment stability.
Not every employment agency automatically provides this document. That is why proper preparation and guidance are very important.
At Domek, we help clients check:
- whether their agency can issue a Perspectiefverklaring,
- which conditions must be met,
- and what mortgage options may be available.
Which documents are required for a mortgage?
Depending on your situation, banks may ask for:
- salary slips,
- annual income statements (jaaropgaven),
- bank statements,
- a Perspectiefverklaring,
- employment history,
- and information about current financial obligations.
A properly prepared mortgage application can significantly increase your chances of receiving approval.
Does changing employment agencies affect your chances?
Not necessarily.
Banks mainly look at income continuity and your overall employment situation. If you continue working in the same industry and maintain stable income, changing agencies does not automatically create problems.
Every situation is assessed individually.
How can you improve your mortgage chances?
The most important thing is proper preparation before submitting your application.
It is a good idea to:
- check your borrowing capacity,
- organise your documents,
- review your financial situation,
- and check whether you qualify for a Perspectiefverklaring.
In practice, choosing the right bank also makes a big difference, because every lender in the Netherlands has its own rules for agency workers.
Complete support for internationals in the Netherlands
At Domek, we help internationals in the Netherlands arrange mortgages — including for people working through employment agencies.
With more than 15 years of experience and a team of 100+ specialists, we help clients:
- understand their mortgage options,
- compare offers from different banks,
- prepare the necessary documents,
- and go through the entire process step by step.
We also help you check:
- whether you can obtain a Perspectiefverklaring,
- your maximum borrowing capacity,
- and which mortgage solution best fits your situation.
Call us at 088 1021 500, email info@domek.nl, or fill in the contact form on Domek.nl.
