How does a BKR registration affect applying for a mortgage

How does a BKR registration affect applying for a mortgage?

When applying for a mortgage in the Netherlands, one of the most important factors that mortgage lenders consider is the applicant’s financial history. One aspect that plays a major role in this is BKR registration. The Bureau of Credit Registration (BKR) maintains information on loans and credits of individuals. In this article, we take a closer look at how a BKR registration can affect mortgage applications and what you can do if you are dealing with a negative BKR registration.

How does a BKR registration work?

A BKR registration is a record of your loans, credit and any payment arrears. Lenders, including mortgage lenders, consult this data to get a picture of your financial obligations and your ability to repay a new loan, such as a mortgage. Various types of loans and credit are recorded, including personal loans, credit cards, revolving credit and phone plans with phone credit.

Impact on mortgage applications

A positive BKR record, where you have consistently paid off your loans, can be beneficial to your mortgage application. It shows that you handle financial obligations responsibly. Mortgage lenders are more likely to consider you a reliable candidate. On the other hand, a negative BKR record, such as late payments or a registered credit problem, can reduce your mortgage chances. It is therefore advisable before you apply to check whether you have a BKR registration. After all, a move can be expensive enough, so you don’t want any surprises.

Influence of BKR on mortgage terms

Even if you get a mortgage application approval with a negative BKR record, it can affect the terms of the mortgage. For example, lenders may impose a higher interest rate or stricter repayment terms to compensate for the extra risk. So it is not only the approval that is affected, but also the long-term financial burden.

How can you remove a negative BKR registration?

Removing a negative BKR registration is not easy, but it is possible under certain circumstances.

Contact creditor: If you are in arrears, try to contact the creditor to make payment arrangements. If you pay off your debts and meet your payment obligations, the creditor may consider having the negative registration removed.

Request for recovery: You can make a request to the creditor to restore an erroneous or wrongful registration. If the creditor acknowledges that a mistake has been made, this may result in removal of the registration.

Legal deadline: Please note that a negative BKR registration is automatically deleted after a certain legal deadline. This may be the case for small loans or late payments, for example.

Help from experts: If you are struggling to remove the negative registration, consider seeking legal advice or help from a financial advisor experienced in BKR-related matters.


A BKR registration definitely affects applying for a mortgage in the Netherlands. Both positive and negative BKR registrations play a role in determining your mortgage chances and terms. If you are dealing with a negative BKR registration, it is important to take steps to improve your financial situation and possibly remove the negative registration. An understanding of how BKR works and how it affects your mortgage application can help you make a more informed decision when applying for a mortgage.

How does a BKR registration affect applying for a mortgage? .