Was your mortgage risk surcharge reduced in time?

The central question

Dutch residential property values rose sharply between 2015 and 2026. This raises the question whether banks should have taken the initiative to reduce risk surcharges, rather than leaving consumers to identify the issue and provide fresh evidence at their own expense.

Evidence and access to value data

In practice, consumers often have to commission and submit a valuation report at their own expense. Banks also have access to value indicators, including the Dutch WOZ register, in which price increases are reflected with some delay. The agreement, risk-class policy and information supplied to the customer determine what can reasonably be argued.

Collective preparation

Shureluck is preparing a collective matter on mortgage risk surcharges. Specific legal merits and strategy are not published while the investigation is underway, to avoid unnecessarily informing potential respondents or competitors. Registration helps establish how widespread the issue is and which documentation is available.

Registration does not guarantee participation or compensation. The legal and factual position must first be investigated.

What should you preserve?

• The mortgage offer, agreement and applicable conditions.
• Annual statements and interest-rate notices.
• Property valuations and WOZ decisions.
• Correspondence concerning the risk class or surcharge.