Mortgage without a permanent contract

Mortgage without a permanent contract

Taking out a mortgage without a permanent contract or letter of intent

Are you looking to buy a house but don’t have permanent employment with your current employer? It’s still possible to apply for a mortgage, although there are some additional conditions to meet. Our experienced mortgage advisers are well-equipped to answer all your questions. They are also credit analysts and can consider other forms of income. This means that securing a mortgage without a permanent contract or letter of intent is more feasible than you might initially think. If you plan to apply for a mortgage soon, the key terms you’ll encounter are ‘mortgage with a temporary contract’ and ‘mortgage without a letter of intent.’ We’ll explain these in more detail on this page.

 

Why choose us for a mortgage without a permanent contract or letter of intent?

  • Personal and expert advice from registered mortgage advisers.
  • You can approach Cournot Adviseurs even without an employer’s statement or letter of intent.
  • Various options for a mortgage without a permanent contract or letter of intent.
  • Under certain conditions, a mortgage without a letter of intent or with a temporary contract can also be possible.
  • When applying for a mortgage, we thoroughly assess all your income components.
  • We offer the best mortgage types with the most favourable conditions.

 

Without a permanent contract

Even if you don’t have a permanent contract, as an employee, you still have options for taking out a mortgage. The additional conditions will depend on your personal situation, including the type of employment you have. The value of your income is crucial in determining the mortgage amount. A temporary contract might suggest that you will receive a permanent contract in the near future, allowing you to ask your employer for a letter of intent. This document states that your next contract will be converted to a permanent one if the organisation’s circumstances remain the same and you continue to perform well. If you’re applying for a mortgage without a permanent contract or letter of intent, your current income will be taken into account.

A mortgage without a letter of i ntent

If your employer does not issue a letter of intent or employer’s statement, obtaining a mortgage without one is sometimes possible under certain conditions. In this case, the ‘Inkomensbepaling Loondienst’ can offer a solution. This method determines the maximum mortgage based on data from the UWV instead of your wages. 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 includes your salary and employer history and can be downloaded from mijnuwv.nl.

 

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