From now on all flex workers can request a perspective statement. With this statement in your pocket, temporary workers and seconded workers can take out a mortgage.
More flex workers eligible for a mortgage
The labor market is becoming more and more flexible. The increase in the number of freelancers and flex workers also forces banks to adjust their mortgage lending standards. This is gradually moving in the right direction.
The Perspective Declaration was introduced two years ago. With this statement in your pocket, temporary workers and seconded workers can take out a mortgage. In the beginning, only certified employment and secondment agencies were able to issue a perspective statement. The statement is now available for all flex workers.
What is a perspective statement?
With a perspective statement you show that you can earn a steady income in the coming years. Banks would like to know for sure before they provide you with a mortgage. Unique to the explanation is that not only the past is looked at but also the future. What is your perspective on the labor market?
The same value as an employer’s statement
The perspective statement is based on (data) analysis of the labor market position of the applicant (labor market scan). The opinion of the temporary employment and secondment agency is also taken into account. As a result, the statement has the same value at banks as an employer’s statement.
An important requirement for a perspective statement is that you have at least 52 weeks ‘assessable work experience’. This does not have to be contiguous and with the same organization.
With a perspective statement to the bank
With a perspective statement you can go to more and more banks in the Netherlands. In the meantime 19 lenders have joined this initiative.
A perspective statement is not a guarantee that you will also receive the desired mortgage. The bank ultimately determines whether and how much you can borrow. Curious about your options for a mortgage? Start a mortgage calculation without obligation.