Employer Statement: Who Qualifies and What You Get
Learn how an Employer Statement works to help you prove your employment status when applying for a mortgage in the Netherlands.
An Employer Statement is an official document used to confirm your current employment status and income details. In the Netherlands, this document is often referred to as a Werkgeversverklaring.
Who it's for
This document is specifically for employees who are in the process of applying for a mortgage. If you are seeking to borrow money to purchase a home, lenders will require this official verification to assess your financial stability and the security of your current job.
What you get
You receive a formal statement that serves as official proof of your employment. This document is used by financial institutions to verify that you are currently employed and to confirm the specifics of your working arrangement. By providing this, you give the lender the necessary information regarding your professional standing to proceed with your mortgage application.
What it costs you
There is generally no direct financial cost to you to obtain this document. The process primarily requires your time to coordinate with your workplace. You will need to reach out to your human resources department or your direct manager to request that they complete and sign the standard form required for your application.
The catch to know
The most important thing to remember is that a simple, informal letter from your employer is often not enough. To be valid for mortgage purposes, the document must be completed using a specific, current template. Using an outdated version or a non-standard format may result in your lender rejecting the document, which could delay your mortgage approval process.
How to apply
- Contact your company's HR department or your direct supervisor to initiate the request.
- Inform them that you require a formal Employer Statement (Werkgeversverklaring) specifically for a mortgage application.
- Ensure that the person completing the form uses the most recent and specific template required by modern lending standards.
- Once signed and completed, collect the document and submit it to your mortgage provider or lender.