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.