Documents Needed for an Expat Mortgage in the Netherlands (2026)

One of the most common questions we get from expats is: "What documents do I need for a mortgage in 2026?" This comprehensive checklist covers everything you'll need, organized by employment type.

Documents Everyone Needs

Regardless of your employment situation, you'll need these basic documents:

Identification

• Valid passport (all pages with stamps/visas)
• Residence permit (for non-EU nationals) - see our EU vs Non-EU guide
• BSN (Burger Service Nummer)

Address & Registration

• Recent extract from the BRP (municipal registration)
• Proof of current address (utility bill or rental contract)

Financial Overview

• Bank statements from the last 3 months
• Proof of savings/own funds - calculate how much you need with our Buyer Costs Calculator
• Overview of any existing debts or loans

For Employees with a Permanent Contract

If you have a permanent Dutch employment contract (vast contract), you'll need:

• Employment contract
• Last 3 payslips
• Annual statement (jaaropgave) from the most recent year
• Employer declaration (werkgeversverklaring) - we provide the template

For Employees with a Temporary Contract

Temporary contracts require additional documentation to demonstrate income stability. Read our detailed guide on getting a mortgage with a temporary contract.

• Current employment contract showing end date
• Previous contract(s) if you've been extended
• Letter of intent from employer (if available)
• Last 3-6 payslips
• Annual statement (jaaropgave)
• Employer declaration

For Self-Employed (ZZP/Freelancers)

Self-employed expats need more extensive documentation. See our complete ZZP Mortgage Guide for detailed requirements.

• Chamber of Commerce (KvK) registration
• Annual accounts for the last 2-3 years
• Tax returns (aangiften) for the last 2-3 years
• Provisional tax assessments (voorlopige aanslagen)
• IB60 forms (income verification from the Belastingdienst)
• Accountant's statement (if applicable)
• Overview of current contracts/clients

For 30% Ruling Holders

In addition to your employment documents, provide these. Read more in our 30% Ruling Mortgage Guide:

• Official 30% ruling decision letter from Belastingdienst
• Payslips clearly showing 30% ruling application
• Employment contract referencing the ruling

Property-Related Documents

Once you have an accepted offer, you'll also need:

• Signed purchase agreement (koopovereenkomst) - learn about this in our Purchase Agreement Guide
• Valuation report (taxatierapport) - arranged by the lender
• Building inspection report (if applicable)

Tips for Gathering Documents