A BKR registration can greatly complicate the purchase of a home. Mortgage lenders often refuse applications as soon as a negative registration is visible. However, a registration does not always mean you have to wait for years. In many cases, you can get a mortgage earlier or even have the registration removed.
At Arslan Lawyers, we assist clients who want to take out a mortgage but are hindered by a (unjust) BKR registration. We investigate whether the registration is still justified and ensure removal or shortening of the duration where possible.
What does a BKR registration mean for your mortgage?
The Credit Registration Office (BKR) keeps track of which loans and payment arrears consumers have. Banks use this data to assess whether someone can responsibly borrow. A negative registration – for example by a telephone provider, credit card, private lease or arrears at a bank – can cause your mortgage application to be rejected.
How long does a BKR registration last?
A negative registration remains five years after resolving the payment backlog. During this period, lenders can refuse your application. However, you do not always have to wait the full five years: under circumstances, you can submit a request for removal or shortening.
When can you get a mortgage despite BKR registration?
A BKR registration does not automatically mean you can’t get a mortgage. Mortgage lenders also look at:
- the amount and age of the debt;
- your current financial stability;
- the nature of the registration (eg temporary delay or structural problem);
- the reason for the delay (such as temporary illness or dismissal).
In some cases, for example after completion of a debt arrangement or WSNP, you can demonstrate that you are financially stable and that the registration is no longer relevant.
When is removal possible?
A registration may only remain if it is necessary and proportional. According to the GDPR, a lender must weigh your interests against those of the financial sector. You can request removal if:
- you have fully repaid the debt;
- you have had no new payment problems for some time;
- the registration disproportionately hinders your life (eg no mortgage for a family home);
- the bank or institution did not carefully assess the circumstances.
How do you request deletion of a BKR registration?
1. Check your registration
Request your current overview via bkr.nl and note who placed the registration and what the end date is.
2. Submit a motivated request
Send a letter or email to the relevant bank or lender. Explain why the registration is no longer proportional and attach supporting documents, such as payslips, employer declarations or a statement of financial stability.
3. Escalate if rejected
If your request is rejected, you can lodge a complaint with the KiFiD or enforce removal via the court. In many cases, it is ruled that the registration must be deleted or shortened, especially if the consequences are disproportionately heavy.
How does Arslan Lawyers help?
- We investigate whether your registration is justified;
- We submit a motivated request for removal or shortening;
- We litigate at KiFiD or the court if necessary;
- We recover the costs where possible from the liable institution, so our help can be free for you.
Our lawyers have extensive experience with financial law and privacy law and know exactly how you can increase your odds of a successful mortgage application.
Frequently asked questions about BKR registration and mortgage
Can I get a mortgage with a negative BKR registration?
Yes, sometimes. Especially if the arrears are old or small and you can demonstrate that you are financially stable. Good motivation and legal substantiation are then important.
How long should I wait after a BKR registration?
In principle five years after resolving the arrears. In special cases, you can have this period shortened by submitting a request.
What if my request is rejected?
Then you can enforce removal via the KiFiD or the court. This happens regularly, especially if the consequences for you are too heavy.
Can I get legal assistance?
Yes. In many cases, our help is free, because we recover the costs from the lender.
Want to know if you can get your mortgage faster despite a BKR registration?
Contact Arslan Lawyers without any obligations. We’ll assist you in deleting or shortening your registration, so you can move forward with your housing plans.
