Visa-Based Guide
Family Reunification / Partner Permit
Partner visa holders can get mortgages, typically using the sponsoring partner's income or their own employment.
Mortgage Eligibility
Conditional EligibilityTypical Duration
Tied to relationship/sponsor status
Lender Access
Select Lenders
Key Factors for Partner/Family Visa Holders
Eligibility depends on work authorization
Can use sponsoring partner's income
Employment in NL strengthens application
Path to independent permit after 5 years
How Lenders View Partner/Family Visa
If working, treated similarly to other employed residents. If not working, combined application with working partner is typical. Some lenders may want to see independent income.
Important Considerations
- •Dependent on sponsor's status initially
- •Work permit status is crucial
- •Relationship stability is not assessed by banks
Tips for Partner/Family Visa Applicants
1Establish employment if possible before applying
2Joint applications with working partner work well
3Document any income sources clearly
Get Personalized Advice
Every situation is unique. Speak with an advisor who understands Partner/Family Visa requirements.