BankgarantieZeker: bid with total confidence
The BankgarantieZeker certificate issued by Nationale Waarborg allows you to submit a binding offer without a financing condition and still be protected against the statutory 10% penalty, with coverage up to €99,999 on properties priced up to €999,999.
Key benefits
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Competitive leverage – outbid local buyers by waiving the financing contingency.
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Up to €99,999 coverage – equivalent to the standard 10% deposit.
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Decision in one business day – fully digital underwriting.
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40‑day validity – plenty of time to negotiate and sign.
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Pay only at completion – flat €500 (+ €95 admin); zero cost if the deal aborts.
Eligibility snapshot
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Dutch tax resident
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Salaried income
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Residential property in NL
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Clean BKR credit file
How we arrange it
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Plausibility scan & expat‑specific advice
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Digital process
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Certificate issued within 24 hours
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Bank guarantee filed after contract & cooling‑off
Pricing
Charged only once the guarantee is lodged: €500 service fee + €95 admin. Regular guarantee/insurance premium (€25) applies separately.
Why Mister Mortgage
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Expat‑focused mortgage brokerage
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AFM‑licensed
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End‑to‑end guidance through notary completion
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4.7★ Google reviews average
