Do you work through an employment agency and don’t have a permanent contract? Many people think that means buying a home in the Netherlands is impossible. In many cases, that is simply not true.
With a perspectiefverklaring, people working through an agency can still apply for a mortgage in the Netherlands. Some banks are more flexible and look not only at your contract, but also at the stability of your income and work history.
What is a perspectiefverklaring?
A perspectiefverklaring is an official document for people working through an employment agency. It confirms that even without a permanent contract, your income and work situation may still be stable enough to apply for a mortgage in the Netherlands.
For many people, it can be an alternative to a standard employer statement usually required for permanent employees.
Who can get a perspectiefverklaring?
A perspectiefverklaring is mainly meant for people who:
- work through an employment agency,
- have a regular income,
- work without a permanent contract.
Banks also look at other factors, such as:
- your income,
- work history,
- job stability,
- type of work,
- current financial obligations.
Every situation is different, which is why choosing the right bank and preparing the application properly is very important.
Can you get a mortgage with a perspectiefverklaring?
Yes. In many cases, buying a house in the Netherlands with a perspectiefverklaring is possible.
Not every bank looks at this document in the same way. Some banks are more flexible when it comes to people working through an agency, which is why preparing the process correctly can make a big difference.
How does the mortgage process work?
Buying a home in the Netherlands with a perspectiefverklaring usually looks like this:
1. Financial check
We look at your income, work history, and mortgage possibilities.
2. Preparing the documents
We help you collect all the documents needed for the mortgage application.
3. Choosing the right bank
We compare different banks and choose the one that best fits your situation.
4. Mortgage application
We guide you through the process and help with all the paperwork and communication with the bank.
5. Buying your home
We continue supporting you until you receive the keys to your new home.
Is it worth applying for a mortgage without a permanent contract?
Many people postpone buying a house because they believe a permanent contract is required. But the Dutch job market has been based on flexible work for many years, and banks understand this better than before.
Not having a permanent contract does not automatically mean you cannot buy a home. In many cases, a properly prepared mortgage application can significantly improve your chances.
Why choose Domek.nl?
The all-in-one service for internationals
At Domek.nl, we have been helping internationals buy homes in the Netherlands for many years. Our team understands the situation of people working through employment agencies and knows how to guide clients through the entire mortgage process.
We help you:
- calculate your borrowing capacity,
- compare banks,
- find the best mortgage solution,
- prepare documents,
- complete the entire home-buying process.
We support our clients before, during, and after the purchase of the property.
