Episode 5: Quickly arrange your mortgage by smart preparations

Assess your financial situation early

The best time to review your finances is at the start of your house hunt. At Viisi, your advisor will review your goals, income, and debts. We’ll also pre-check some key documents you need for your mortgage application. That way, any issues can be spotted and solved early, saving you time (and hassle!) during the approval process.

What we pay special attention to:

> Bonuses and extra income components

Your income might include more than just your base salary. Think of income components like a bonus, allowance, compensation, or employer contribution. Some of these are listed on your payslip, while others are outlined in your contract. Not all components count equally when calculating your maximum mortgage. Your Viisi advisor knows the rules and can suggest strategies, like asking your employer to convert a personal bonus into a fixed salary component, to help boost your borrowable income.

> Differences between a payslip and an employer statement

Lenders will compare your payslip and employer statement side by side. If inconsistencies exist, it’s your job to clarify them alongside your advisor’s. For example, if your bonus is tied to personal performance, the bank may consider it part of your income if it’s consistent over the past 12 months. But only if your employer states it correctly in the official employer declaration.

> Source of own funds

Are you contributing your savings to the home purchase? Then we’ll help you clearly document the source of those funds. Lenders need to confirm that your funds are truly yours, not a loan from family or friends that must be repaid. We’ll show you exactly which documents to submit.

Use your head start

Good preparation gives you a considerable edge. This is especially helpful if you’re an entrepreneur or want to make an offer without a financing contingency.

Request an income statement if you’re self-employed
Are you an entrepreneur? Request your income assessment early from a certified financial expert. This gives lenders clarity on your income and its stability. These reports are generally valid for 6 months and can be updated later for a small fee. But always check with your Viisi advisor first—some lenders only accept reports from specific assessment providers.

Increase your chances with ‘Offer with Certainty’
At Viisi, we offer full income approval in advance. This allows you to place a bid without financing conditions or financial risk. We call this an Offer with Certainty. It gives you an advantage over other buyers who still need to arrange their mortgage. Bonus: Our internal acceptance team has already pre-checked most of your documents. Once your offer is accepted, you must submit only the purchase contract and a property valuation.