Document Checklist

When you apply for a new mortgage, you need to provide a range of information and documents. Here we list the information your personal mortgage specialist needs in order to negotiate the best mortgage for you.

1) Documents pertaining to the borrower

• Employees: most recent salary certificate and payslips for the last three months
• Self-employed: balance sheets and profit and loss statements for the last three years
• Most recent tax return (self-assessment)
• List of available funds (bank statements, life insurance policies, pension benefits statement from pension fund etc.)
• List of debts (loans, lease agreements etc.)
• Up-to-date debt enforcement information
• Copy of ID/passport (in colour, both sides); copy of identity card and residence permit

2) Documents pertaining to the property

• Purchase agreement and sales documentation / current mortgage agreement and product agreement
• Extract from land register (site map or cadastral map)
• Plans (construction, floor and façade plans)
• Photos (outside and inside, a minimum of living room, kitchen and bathrooms)
• Living space calculations and volume in cubic metres
• Official building insurance value and market valuation report (if available)
• In addition, for new buildings and renovations: building description, cost estimate, general contractor agreement (where appropriate)
• In addition, for condominium units: condominium foundation documentation, use and administration regulations
• In addition, for properties built under the “right to build”: right-to-build agreement