What Viisi NV does

Viisi NV is a Netherlands-based independent mortgage advisory firm founded in 2010 and headquartered in Amsterdam, serving Dutch consumers purchasing, refinancing, or restructuring residential mortgages. The company differentiates by employing only university-educated advisors with WFT (Wet op het Financieel Toezicht) certifications, comparing products across more than 45 Dutch money lenders in a single engagement, and offering a transparent flat advisory fee starting at €2,995 that is tax-deductible and inclusive of life risk and housing expense insurance advice. It serves four primary segments — first-time buyers, home movers, refinancers, and expats (via a dedicated viisi-expats.nl English-language portal) — and distributes services through 18 physical offices across the Netherlands supplemented by online calculators, free webinars, and a tell-a-friend referral program.

The technology stack is built on Faster Forward's Elements CRM platform, hosted by Solvinity on Netherlands-based servers carrying ISAE3402/SOC2, ISO27001, NEN7510, and ISO14001 certifications, with lender data exchange via the standard Dutch HDN network. A proprietary 'Bieden met Zekerheid' (Bidding with Certainty) certificate provides buyers with a certified maximum bid amount to compete in the Dutch housing market without financing contingency, and a Walter Living partnership supplies real-time property pricing intelligence. The organization runs on the Holacracy self-management methodology managed through Glassfrog, with publicly visible role definitions, governance circles, and a transparent salary model benchmarked to the top 25% of the relevant professional field.

Viisi generates revenue from one-time mortgage advisory fees plus commissions on ancillary products including life risk insurance (overlijdensrisicoverzekering), housing expense insurance (woonlastenverzekering), property valuation, and bank guarantees. The company is privately held with no disclosed funding rounds, registered with the AFM (number 12039833), certified as a B Corp (87 points against an 80-point minimum, achieved May 2024), and recognized as Best Workplace NL for four consecutive years. It is described as the first financial organization in the world to implement Holacracy, with a customer-rated Trustpilot score of 5.0/5.0 across 1,501 reviews significantly outperforming Dutch banks and competing mortgage advisors.

Name

Viisi NV

Legal name

Viisi N.V.

Website

https://viisi.nl

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Viisi NV is a Netherlands-based independent mortgage advisory firm that uses university-educated advisors to compare 45+ lenders for Dutch homebuyers, movers, and refinancers, operating 18 offices and a dedicated expat portal on a transparent flat-fee model.

Ownership category

akta.pro rank

Product category

Mortgage Advisory

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

akta.pro secondary industry

Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)

Keywords

• Mortgage advisory
• Independent mortgage advice
• Home loan services
• Mortgage refinancing
• Expat mortgage services

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices8 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Advisory Fees: Viisi charges a one-time fee starting at €2,995 for mortgage advice on first home purchases, with comparable pricing for other situations. This fee is tax-deductible in the Netherlands. The fee includes life risk insurance advice, housing expense insurance advice, and the services of the mortgage acceptance team.
2. Additional Financial Products: Revenue is also generated through ancillary financial products including life risk insurance (overlijdensrisicoverzekering), housing expense insurance (woonlastenverzekering), property valuation services (taxatie), and bank guarantee arrangements (bankgarantie).

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels9 records

Core offering

Viisi NV provides independent mortgage advisory services in the Netherlands, comparing more than 45 money lenders to recommend the best-fit mortgage for each customer. University-educated advisors guide clients through a 5-step process covering first-home purchases, next-home purchases, mortgage refinancing, and equity extraction, with related insurance advice (life risk and housing expense) included in a single fixed fee starting at €2,995.

Product overview

Viisi NV operates as a mortgage advisory firm offering personalized, efficient, and independent mortgage advice through university-educated advisors. The core offering is Hypotheekadvies (mortgage advisory services), supported by digital tools including a Maximale Hypotheek Berekenen calculator and webinars for customer education. The product portfolio includes specialized services for different customer segments: Startershypotheek for first-time buyers, Volgende Woning Kopen for homeowners upgrading, Hypotheek Oversluiten for refinancing, and Hypotheek Verhogen for equity extraction. Additional offerings include Bieden met Zekerheid (certified bidding service), Vermogensplanning, and Viisi Expat Services for international clients. Ancillary services encompass Overlijdensrisicoverzekering and Woonlastenverzekering (included with advisory), and Bouwdepot for construction deposits. The company compares over 45 money lenders to provide independent recommendations, charging from €2,995 for first home purchases.

Differentiator

Problem solved

Functional benefit

Brands

• Viisi Expats: Dedicated service for expats in the Netherlands seeking mortgage advice, with website at viisi-expats.nl

Products and services

• Hypotheekadvies (Mortgage Advisory) Personalized mortgage advisory service in which university-educated advisors compare more than 45 Dutch money lenders to identify the best-fit mortgage for an individual customer's financial situation, life stage, and home-buying goals.
• Startershypotheek (First-Time Buyer Mortgage) Specialized mortgage advisory for individuals purchasing their first owner-occupied home in the Netherlands, addressing unique needs such as financing options, starter-specific products, and guidance through the bidding process.
• Volgende Woning Kopen / Hypotheek Meenemen (Next Home Purchase) Advisory service for existing homeowners looking to purchase a next home, including guidance on porting the current mortgage to the new property, bridging finance, and managing simultaneous sale and purchase transactions.
• Hypotheek Oversluiten (Mortgage Refinancing) Service for homeowners who want to refinance an existing mortgage with a different lender to secure better interest rates, adjust terms, or consolidate financial products.
• Hypotheek Verhogen (Mortgage Increase) Advisory and execution service to increase an existing mortgage, typically used to finance home renovations or to extract built-up equity from the property.
• Bieden met Zekerheid (Bidding with Certainty) Proprietary service issuing a certificate, after a thorough financial assessment, that certifies the maximum amount a buyer can offer on a property without a financing contingency, enabling competitive bids on the Dutch housing market.
• Overlijdensrisicoverzekering (Life Risk Insurance Advisory) Advisory and placement of life risk insurance (overlijdensrisicoverzekering) bundled with mortgage advice, helping customers protect against the financial consequences of death.
• Woonlastenverzekering (Housing Expense Insurance Advisory) Advisory for housing cost insurance covering unemployment, disability, and life events that could affect mortgage payment ability, bundled with the mortgage advisory fee.
• Vermogensplanning (Wealth Planning) Advisory service helping customers manage and structure their wealth in connection with mortgage and homeownership decisions.
• Bouwdepot Service (Construction Deposit Management) Management of a construction deposit (bouwdepot) within a renovation or new-build mortgage, allowing customers to pay renovation and construction invoices from a blocked account linked to the mortgage.
• Viisi Expat Services Specialized mortgage advisory delivered in English for expatriates living in the Netherlands, addressing international income situations, language barriers, and unfamiliarity with the Dutch mortgage system.
• Woning Verduurzamen Advies (Home Sustainability Advisory) Advisory guiding customers through sustainable home improvements and related financing options, including Energiebespaarbudget and green mortgage products.

Quantifiable outcome

• 9.9/10 average customer satisfaction across hundreds of verified reviews on the company's website
• +2 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and supporting.

• Walter LivingcoreTechnology or IntegrationWalter Living provides real-time pricing and bidding intelligence for Dutch properties. Viisi recommends Walter Living to clients during their home search to assess whether a property is priced competitively, has been previously sold, or is listed at an inflated price. This enables data-driven bidding decisions.
• Glassfrog (Faster Forward)coreTechnology or IntegrationGlassfrog is the software platform used by Viisi to manage its Holacracy organizational structure. All roles, circles, and governance rules are maintained transparently in Glassfrog, accessible publicly. Viisi is one of few organizations to make its complete organizational structure publicly viewable through Glassfrog.
• Faster Forward (Elements CRM)coreTechnology or IntegrationViisi uses Faster Forward's Elements platform as its CRM system. Elements handles customer data management, document uploads, and workflow management. Faster Forward holds ISAE3402/SOC2 certifications and PEN-tested security, meeting Dutch banking and financial sector standards.
• SolvinitycoreTechnology or IntegrationSolvinity provides cloud hosting (PaaS) for the Elements CRM system used by Viisi. All customer data is stored on Netherlands soil. Solvinity holds ISAE3402/SOC2, ISO/IEC27001, NEN7510 (healthcare information security), and ISO14001 certifications. Solvinity is one of the few hosting providers in the Netherlands certified by De Nederlandse Bank (DNB).
• HDN (Hypotheek Data Netwerk)coreTechnology or IntegrationHDN is the Dutch standard for data exchange between mortgage advisors and money lenders. After documents are uploaded to Viisi's CRM system, they are shared with money lenders via HDN for mortgage applications. HDN is the established norm for data interchange with virtually all Dutch mortgage providers.
• a.s.r. (voorheen Brand New Day)supportingOthersViisi contributes monthly to employees' pension plans through a.s.r. (formerly Brand New Day). No employee contribution is required, though employees may choose to contribute additionally. The full pension regulation (2026 version) is published on Viisi's website. a.s.r. is a major Dutch insurance and pension company.

Scale indicators5 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• ING Netherlands: Large Dutch bank providing mortgage advisory at €2,100 tied to its own lending products; competes with Viisi on price and convenience of bundling.
• Rabobank: Major Dutch retail bank offering in-house mortgage advice at €2,100 alongside deposit and lending products; competes on price and bundling rather than independence.
• ABN AMRO: Dutch universal bank offering mortgage advice at €2,100 as part of its broader retail-banking suite; competes primarily on accessibility rather than advisory quality.
• Florius: Dutch mortgage provider (part of Achmea) offering mortgage products distributed through independent advisors including the Dutch broker channel Viisi competes in.
• Moneyou: Dutch online mortgage and savings brand (ANWB/Achmea) that distributes through independent advisors and direct channels; competes as one of the lenders within Viisi's comparison universe.

Direct peers

• De Hypotheker: Largest Dutch mortgage broker franchise with a comparable independent advisor model, charging €2,995 for first-home purchase advice — Viisi's direct head-to-head competitor cited in pricing comparisons.
• Hypotheekshop: National Dutch mortgage advisory chain operating a similar independent-advisor model and pricing at €3,300 for first-home purchases; comparable in service model and target customer.
• Independer: Dutch financial services comparison and advisory platform that brokers mortgages and other financial products; overlaps with Viisi's independent advice and 45+ lender comparison positioning.

Others

• Walter Living: Dutch real-estate data and pricing-intelligence platform that Viisi partners with to provide clients with bidding information; an ecosystem partner rather than a competitor.
• Nationale Hypotheek Garantie (NHG): Dutch government-backed mortgage guarantee scheme that underwrites many of the mortgages Viisi advises on; an industry infrastructure participant rather than a competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/ViisiNL
• YouTubeyoutube.com/channel/UCPAtlgDo6zWmvxcz35o6V_A
• Facebookfacebook.com/ViisiNL
• LinkedInlinkedin.com/company/viisinl
• Instagraminstagram.com/viisihypotheekadvies

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Viisi NV