Applying for a mortgage while you have a BKR or EVR registration have, often causes uncertainty. Many people think: “They see everything, so it’s pointless.” That is incorrect. Mortgage lenders look selectively and apply their own assessment criteria. In this blog we explain what they actually see, what carries significant weight and when a rejection can be unjustified.
What does a mortgage lender check as standard?
For a mortgage application, the following is almost always checked:
your BKR report
the type of code
the time elapsed since the registration
your current financial situation
An EVR registration is not via BKR accessed, but it can still come to light through banking checks or previous banking relationships.
What does a mortgage lender see with a BKR registration?
A mortgage lender sees data from the register of the BKR Foundation, including:
active and closed credit agreements
any arrears codes
special codes (such as recovery)
date of registration and repayment
Important: not every BKR registration is decisive.
What carries the most weight?
recent payment delinquencies
multiple delinquencies at once
large credit amounts
short time since repayment
What carries less weight?
older registrations
fully repaid debts
one-time problems
demonstrably stable situation afterwards
What does a mortgage lender see with an EVR registration?
An EVR registration is more serious 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 lender actively checks the EVR
but: banks share signals within the sector
In practice, this means that an EVR registration often leads to:
immediate rejection
termination of the application process
no substantive assessment
That is precisely why it is crucial to address an unjustified EVR registration in advance to address.
When is a mortgage rejection unjustified?
A rejection is not automatically justified. This is especially the case when:
the registration is old
the debt has been fully repaid
the cause was not your fault
the current financial situation is stable
no individual balancing of interests has been made
In such cases, continuation of a registration can 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
subsequent processes become more difficult
negotiating position deteriorates
By having it assessed in advance:
you avoid unnecessary rejections
you increase your chance of success
a registration can be corrected or removed
What can you do if a registration hinders your mortgage?
Step 1: Gain insight
Have it determined precisely:
which registration is involved
how old it is
what the legal basis is
Step 2: Legal assessment
Among other things, the following is assessed:
proportionality
balancing of interests
accuracy of the registration
necessity of continuation
Step 3: Action toward the bank or credit provider
Depending on the situation:
request for removal
request for adjustment
or legal action
In many cases a solution is reached without legal proceedings.
Conclusion: a registration does not automatically mean ‘no’
A BKR or EVR registration does not have to be a definitive barrier to a mortgage. What matters is context, time and proportionality. Rejections are regularly based on assumptions or standard policy, while a tailored approach is required.
Therefore, have it assessed first what a mortgage lender really sees — and what can be legally rectified.