Mortgage Protection: Personal A-Z Guidance for Expats

Mortgage in employment:
Discover your maximum borrowing capacity

Are you employed and want to know how much of a mortgage you can get? With our calculation tool, you will have an indication within 2 minutes. Afterwards, we will assist you personally with a customized calculation that fits your specific situation as an employee.

Why employees choose Mortgage Spotters

When you work in employment, the bank looks at your income, the type of contract you have, and your future prospects. Our advisors know exactly which lenders offer the best conditions for your situation. We offer customized solutions for every type of employment:

Permanent contract: Do you have a permanent contract for an indefinite period? Then you offer the most security to the bank, and we can easily and quickly calculate your maximum mortgage.
Temporary contract: Are you working on a temporary contract, for example, for a year? No problem. With a letter of intent (employer's statement of continued employment) from your employer, you can often borrow just as much from the bank as you could with a permanent contract.
Flex worker or agency worker: Even without a permanent contract or a letter of intent, there are plenty of possibilities. We often look at your average income over the past three years, or we use a special Labour Market Scan (Arbeidsmarktscan) to determine your borrowing capacity.

It is important to know that you can borrow a maximum of 100% of the property value. For sustainability improvements, you can even finance up to 106%.

Our efficient 3-step process:

Make a calculation: You enter your details and immediately receive an indication of your maximum mortgage based on your employer statement and payslip.
Schedule an introductory meeting: We will send you several questions beforehand; with this information, we can make a highly accurate mortgage calculation.
Compare and apply: We compare over 35 renowned lenders. We choose the best match for you and arrange everything right up to the application. If you decide to proceed with us, you pay the fee when signing at the notary.

Frequently Asked Questions (FAQ)

FAQ - Calculate Employment

Why is Mortgage Spotters on average cheaper than other firms?

That is due to our 'spot-on' focus on efficiency. We save on three major expenses that other agencies base their rates on: we do not pay referral fees (lead generation fees), we charge a small fee for the initial meeting to minimize unpaid hours, and we work with a fully digitized process.

w does the submission of my documents, such as an employer's statement, work?

ly and fully digitally via your own secure client portal. You submit your data safely and quickly through your personal online environment.

Do I still get independent advice despite the low rate?

Absolutely. You receive independent mortgage advice from a recognized mortgage advisor with 20 years of experience.

Mortgage in employment: Discover your maximum borrowing capacity