Perspective statement, flexible work and a mortgage
A perspective statement assesses the prospects of a flexible worker in the labour market. With this statement, it becomes easier for flexible workers to buy a house.
More and more people have a flexible employment contract through an employment agency. If you want to buy a house as a flexible worker, mortgage lenders may be cautious when granting a mortgage.
The perspective statement is an initiative by Randstad, Obvion and Vereniging Eigen Huis (VEH). The statement is accepted by the largest mortgage lenders, with the option of a National Mortgage Guarantee (NHG).
What is a perspective statement?
With a perspective statement, a mortgage can be applied for. It assesses the future possibilities of the flexible worker to generate an income. The document demonstrates that an objective assessment has been conducted regarding the future labour market position and earning capacity of the flexible worker. This provides the mortgage lender with confidence that a realistic estimation has been made. The perspective statement holds the same value as an employer’s statement with major mortgage lenders.
A perspective statement may only be issued by an employment agency registered with the Stichting Perspectiefverklaring. The register can be consulted at www.perspectiefverklaring.nl. In any case, contact the consultant of the employment agency you work for. The consultant can inform you whether the employment agency is registered with the Stichting Perspectiefverklaring and how the process will proceed.
Are you not employed through an employment agency but working as a flexible employee on a payroll contract (for example, as an on-call worker)? Then you can use the Labour Market Scan to increase your chances of obtaining a mortgage.
Mortgage lenders and a perspective statement
With a perspective statement, you can arrange your mortgage with a large number of mortgage lenders. Since De Hypotheker compares all banks to offer you the best deal, we can also provide your mortgage advice and mediate the perspective statement for you.
Flexible work and a mortgage? De Hypotheker is here to help
Do you have a perspective statement as a flexible worker and want to buy a house? Then De Hypotheker is ready to assist you. We guide you through every step of the home-buying process. We support you with mortgage advice and compare different lenders for you. After comparison, our expert advisors select the mortgage with the most favourable conditions and, if desired, the lowest monthly costs. This ensures you get the best deal!