Turn the WOZ assessment into a targeted case review
Select cases, rather than running a general WOZ campaign
Use the annual assessment as a signal to select cases in which an interest-rate surcharge or rate band may still be relevant. The Vereniging Eigen Huis source states that an increased WOZ value has no effect on mortgage interest when there is no surcharge; this limits the review to clients for whom such a surcharge or rate band actually applies. The assessment itself states the WOZ value of the property, and municipalities determine that value anew every year. This makes it a recognisable starting point for the conversation, not proof that the current market value or lender acceptance has already been established.
First check which route the lender permits
For each selected case, bring together the outstanding debt, the relevant valuation basis and the product terms and conditions. According to Vereniging Eigen Huis, depending on the terms, a request for an adjustment can be substantiated with a WOZ assessment, valuation report or Calcasa Desktop Valuation. The other passage qualifies this by noting that, in practice, most lenders now require a Calcasa Desktop Valuation to reduce the interest-rate surcharge, even though a WOZ assessment can in principle be used. So do not ask whether a higher WOZ value automatically lowers the interest rate; ask what substantiation this particular lender requires for this case.
Record the outcome as a decision, including the reason for stopping
Use this decision register in the CRM or case file: record the client and loan part, source of the value, outstanding debt, current rate band or interest-rate surcharge, the lender's requirement, required valuation documentation, owner and follow-up decision. Also record when no action will be taken, for example because no surcharge applies or the required valuation documentation is unavailable. The WOZ assessment is not individual financial or professional advice, nor does it replace the lender's acceptance criteria or valuation requirements. The passages describe general options and refer to terms that may differ by lender; therefore, always assess the specific product and case.
