Applying for a mortgage while you have a BKR or EVR registration often causes uncertainty. Many people think: “They see everything, so there is no point.” That is incorrect. Mortgage lenders look selectively and apply their own assessment criteria. In this blog we explain what they actually see, what weighs heavily and when a rejection can be unjustified.
What does a mortgage provider check as standard?
When applying for a mortgage, they almost always check:
your BKR overview
the type of coding
the time elapsed since the registration
your current financial situation
An EVR registration is not viewed via BKR, but can be revealed through bank checks or previous banking relationships.
What does a mortgage provider see with a BKR registration?
A mortgage provider sees data from the register of Stichting BKR, including:
active and terminated credits
any arrears codes
speciality codes (such as recovery)
date of registration and repayment
Important: not every BKR registration is decisive.
What weighs most heavily?
recent payment arrears
several arrears at the same time
high credit amounts
short time since repayment
What weighs less?
old registrations
fully repaid debts
one-off problems
demonstrably stable situation afterwards
What does a mortgage provider see with an EVR registration?
An EVR registration is more difficult than a BKR registration. This indicates an (alleged) involvement in fraud or serious irregularities.
Important to know:
EVR is not a public register
not every mortgage provider actively checks the EVR
but: banks share signals within the sector
In practice, this means that an EVR registration often leads until:
immediate rejection
termination of the application process
no substantive assessment
Precisely for this reason it is crucial to tackle an unjustified EVR registration in advance.
When is a mortgage rejection unjustified?
A rejection is not automatic rightly so. This applies in particular when:
the registration is old
the debt has been fully repaid
the cause was beyond your control
the current financial situation is stable
no individual weighing of interests has been made
In such cases, continuation of a registration may be disproportionate.
First have it assessed, then apply: why this is wise
Many people submit a mortgage application without having their registration legally assessed. That is risky.
Consequences:
rejection is recorded
follow-up processes become more difficult
negotiating position deteriorates
By having it tested in advance:
you prevent unnecessary rejections
you increase your chance of success
can a registration be corrected or deleted
What can you do if a registration hinders your mortgage?
Step 1: Gain insight
Determine exactly:
which registration is involved
how old it is
what the legal basis is is
Step 2: Legal assessment
Assessed among other things:
proportionality
weighing of interests
correctness of the registration
necessity of continuation
Step 3: Action towards the bank or lender
Depending on the situation:
removal request
request for adjustment
or legal action
In many cases a solution is reached without procedure.
Conclusion: a registration does not automatically mean 'no'
A BKR or EVR registration does not have to be a definitive block for a mortgage. What counts is context, time and proportionality. Rejections are regularly based on assumptions or standard policies, while customization is required.
Therefore, first have an assessment of what a mortgage lender really sees — and what can be legally corrected.