An employer statement when taking out the mortgage, why do you need this document? What exactly is an employer statement and do you also need such a statement for the mortgage application? Learn more about what you need to know and download three models in this article.
Employer statement 2022: what is that?
Are you going to take out a mortgage soon? Then you need an employer statement. The provider would like to have proof of your income. On the basis of this statement, the lender can receive all kinds of important information. For the acceptance of you as a new customer, it is interesting to know with certainty whether you are in permanent employment, when you started working at your current employer and what amount you earn per year.
Why do I need an employer statement?
The employer statement is actually an important and mandatory document for the mortgage acceptance. Every mortgage advisor asks for an employer statement. When applying for a mortgage with NHG, it is also important that the statement is drawn up in accordance with the model of the Homeownership Guarantee Fund (Waarborgfonds Eigen Woningen or WEW). The National Mortgage Guarantee is referred to in Dutch as ‘NHG’ or ‘Nationale Hypotheek Garantie’. Many employers have a human resources department that can arrange for the document to be completed. Do you need an employer statement? At the bottom of this article you can download three different models.
A template model is available as an English version, word document and an interactive PDF. The last template contains all kinds of explanations, explanations and mandatory fields to ensure that the statement is completed correctly. It often happens that the employer statement (sometimes even several times) has to be submitted again, since compliance with the requirements has not been taken into account.
Pay attention to requirements when completing employer statement
Mortgage providers are sharp and strict when reviewing mortgage application documents. Fortunately, below are all kinds of tips and we have selected all the rules for you. Your employer statement must meet a number of important requirements.
- Once the document has been completed in full, the employer must sign the document. A ‘wet signature’ is not necessary. You may also digitally sign the document. The lender determines which electronic signature is allowed.
- The WEW has no requirements for the color ink and handwriting of a handwritten signature.
- No company stamp needs to be placed on the employer statement.
- The date of employment and your name and address details must be exactly the same as what it says on your payslip.
- The form must be completed in full. Answer all questions or make sure it is checked.
- The employer statement may not be older than 2 months.
- Improvements, corrections and crossing out of answers are not allowed. When pieces of text are added later, the lender can judge this as fraud.
- Do you fill in the statement with a pen? Then use the same blue pen for the entire form.
- It is important that the gross salary for the whole year corresponds to 12 times the gross salary as stated on your pay slip. Are you paid every 4 weeks? Then make sure that the amount is 13 x your gross salary.
The above-mentioned model employer statement 2022 can be completed digitally in an interactive manner. It is important that the employer still signs with a blue pen. Many lenders do not allow this digitally.
No stress and you know for sure that you are in the right place. With your mortgage application, we always check your employer’s statement before we send the document to the lender. Due to our careful screening and the tight process, we ensure that the delivery of documents goes smoothly the first time.
Do you have a temporary employment contract? Then make sure to sign the letter of intent
If it appears on the basis of your employer’s statement that you are temporarily employed, it is important that your employer signs an additional statement. This so-called declaration of intent is part of the employer statement.
With this, your employer indicates whether there is an intention to hire you permanently at a later date. This will give the lender more confidence and certainty about the sustainability of your income. For the provider, the risks are the expiry of a temporary contract, so that you may be without income in the long term.
Help with employer’s statement and taking out your mortgage
Bliss Mortgage Advisers are happy to help you arrange a good employer’s statement and take out your mortgage. Done with calculate a mortgage= and is it time to apply for the mortgage? Then we don’t just arrange your mortgage. You can always ask me anything and we will advise you on additional risks such as disability, death and longevity. We also give you answers about the preliminary purchase contract, requesting a bank guarantee and finding a good notary. In short, Bliss helps with the whole process. We stand for quality, speed and expertise at every step and phase. Would you like to know more about how we do this? Read our customer experiences or contact us.
Downloads: three models of employer statements
Download Model werkgeversverklaring 2021 (interactieve pdf)
Download Model werkgeversverklaring 2021 (docx)
Download Model Employer’s Statement 2020 (pdf)
Download Model Employer’s Statement 2020 (docx)
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