Advice for entrepreneurs and private individuals
Taking out a mortgage without a permanent contract or letter of intent
Do you want to buy a house but do you not have permanent employment with your employer? Even then it is possible to apply for a mortgage. Obviously, there are the necessary additional conditions. Our experienced mortgage advisers have suitable answers to all of your questions. In addition, they are also credit analysts and look at other forms of income. That is why much more is possible with a mortgage without a permanent contract or letter of intent than you initially think. Do you want to apply for a mortgage soon? The most important terms that you will encounter in this context are ‘mortgage temporary contract’ and ‘mortgage without letter of intent’. We will explain this in more detail on this page.
Why Trifium with a mortgage without a permanent contract or letter of intent?
- Personal and expert advice from registered mortgage advisers;
- You can also contact Trifium without an employer's statement or letter of intent;
- Various options for a mortgage without a permanent contract or letter of intent;
- A mortgage without a letter of intent or a mortgage with a temporary contract is sometimes also possible under certain conditions;
- When applying for a mortgage, we take a close look at all your income components;
- The best mortgage type with the most favorable conditions.
Without a permanent contract
Although you may suspect otherwise, as an employee you also have options for taking out a mortgage without a permanent contract or letter of intent. It depends on your personal situation what exactly the extra conditions that come with it entail. The type of employment, among other things, plays a role. After all, the value of your income is important in determining the amount of a mortgage. A temporary contract may imply that you will receive a permanent contract in the foreseeable future. Then it is possible to ask your employer for a letter of intent. If the circumstances of the organization remain unchanged and you continue to function as you do now, this document states that the next contract will be converted to an indefinite contract. If you are applying for a mortgage without a permanent contract or letter of intent, your current income will be considered.
A mortgage without a letter of intent
Does your employer not issue a letter of intent (or employer's statement) to you? Obtaining a mortgage without a letter of intent is sometimes also possible under certain conditions. In that case, the Inkomensbepaling Loondienst can provide a solution. With this method, the maximum mortgage instead of your wages is determined on the basis of data from the UWV. When applying for a mortgage without a letter of intent, you can use the UWV Insurance Notice instead of the employer's statement. This document contains the salary and employer history and can be downloaded from mijnuwv.nl.
Applying for a mortgage without a permanent contract or letter of intent starts with independent and expert mortgage advice. Our experienced mortgage advisers and credit analysts have an appropriate answer to of all your questions. Make an appointment for a free orientation meeting via 020 - 67 22 109.