Step-by-Step Checklist – What to Bring to a Mortgage Interview

To provide accurate mortgage advice, our advisor needs insight into your identity, income, and financial obligations.

Please bring copies of the following documents:

Identification

• A valid passport or identity card

Income & Employment

• A recent payslip

• An employer’s statement (if available)

• If applicable, a letter of intent confirming contract renewal

Pension Information (Age 18+)

• A Uniform Pension Overview (UPO)
  You can download this via:

  • mijnpensioenoverzicht.nl

  • Your pension provider

Loans & Financial Obligations

• An overview of:

  • Personal loans

  • Student loans

  • Credit cards

  • Other financial commitments

Are You Self-Employed?

If you are self-employed or a freelancer, please bring:

• Income tax returns or

• Annual accounts for the last 2–3 years

These documents allow us to assess your average income and mortgage eligibility correctly.

Are You Already Buying a House?

If you are in the process of purchasing a property, please also bring:

• The provisional purchase agreement

• Any correspondence with the selling agent (if available)

This helps us align your mortgage advice with the actual property and deadlines.

Refinancing an Existing Mortgage?

If you are not buying, but want to refinance your current mortgage, bring:

• Your current mortgage documents

• Details of your interest rate and the remaining fixed period

This allows us to check whether refinancing could save you money.

Important Topics to Think About in Advance

It’s helpful to already consider the following topics before your appointment:

• Preferred mortgage type

• Desired interest-rate fixed period

• How to handle risks such as:

  • Unemployment

  • Incapacity to work

• Future plans:

  • Children

  • Working fewer hours

  • Relocating abroad

Our advisor will gladly think along with you and help structure a mortgage that fits both your current situation and future plans.

Ready for Your Mortgage Interview?

With the right documents and a bit of preparation, your mortgage interview will be efficient, clear, and stress-free.

We look forward to welcoming you at Expat Mortgage Platform.

Book your free mortgage interview today.

Independent advice. Clear answers. No obligation.