Domivest

What Domivest does

Domivest B.V. is a privately held Dutch mortgage lender founded in 2017 and headquartered in Amsterdam, specialising in financing for professional real estate investors in the Netherlands. The company explicitly excludes consumer borrowers as defined under the Dutch Financial Supervision Act (Wft) and serves B.V., C.V., and individual professional landlords. Its core product, the Verhuurhypotheek, is a fully interest-only rental mortgage underwritten on the rental income stream of the property rather than the borrower's personal income, with financing available from €100,000 to €6,000,000 (up to €7,500,000 in Amsterdam, Den Haag, Rotterdam, Utrecht) and LTV up to 80%. Three specialised modules extend the franchise: Bouwfinanciering (construction deposits from €25,000), Zorgvastgoedfinanciering (healthcare real estate up to €10 million and 75% LTV), and Uitpondfinanciering (gradual portfolio exit financing with no sale penalties).

The technology stack is intentionally lean: a web-based advisor application portal (portal.domivest.com), an E-Adviseur platform, a public-facing mortgage calculator on domivest.com, and a customer self-service portal (mijnhypotheekonline.nl) operated by third-party servicer Stater N.V. Loan administration, IBAN management, and central complaints handling are outsourced to Stater. Approved third-party appraisers (including Colliers, Capital Value, MVGM, and Envalue) and construction inspectors (Bouwinspecteurs.nl) form the operational backbone for valuation and construction-stage diligence.

Domivest's business model is built on net interest income from its interest-only loan book, supplemented by modest origination fees (e.g., 0% above €2.5 million and 0.5% below for Uitpondfinanciering). Capital is sourced through wholesale securitisation markets, with 8 securitisation transactions completed since founding and approximately €2.7 billion in cumulative loan origination. Distribution is exclusively through a nationwide network of independent financial advisors — end customers cannot apply directly — and the company publishes a transparent interest rate grid differentiated by LTV band, fixation period, energy label, and product. Pricing tiers range from 4.93% (variable, up to 60% LTV) to 5.85% (10-year fixed, 80% LTV), with sustainability discounts of up to 0.35% for energy label A++++.

Name

Domivest

Legal name

Domivest B.V.

Website

https://domivest.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Domivest is a Dutch specialty mortgage lender that provides fully interest-only Verhuurhypotheek loans up to 80% LTV to professional real estate investors in the Netherlands, distributed exclusively through independent financial advisors and funded via securitisation.

Ownership category

akta.pro rank

Product category

Commercial Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Residential Investment Property Brokerage (SFR/Small Multifamily) (BPAJAAAE)

akta.pro secondary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Rental property financing
• Mortgage lending services
• Real estate investment loans
• Construction deposit financing
• Healthcare real estate loans

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Interest Income: Domivest earns interest on its mortgage loans. The interest rate is determined by LTV band and interest rate fixation period, with rates ranging from approximately 4.93% (variable) to 5.85% (10-year fixed at 80% LTV). Interest income is the primary revenue driver.
2. Loan Origination Fees (Upfront Fee): Domivest charges an upfront fee on loan origination. For the Uitpondfinanciering product, the fee is 0% for financing of €2.5 million or more, and 0.5% below that threshold. Other products may have additional fee structures.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Domivest is a Dutch specialist mortgage lender providing interest-only rental property financing exclusively to professional real estate investors. Its core product, the Verhuurhypotheek, offers loans from €100,000 to €6,000,000 (€7,500,000 in Amsterdam, Den Haag, Rotterdam, Utrecht) at up to 80% LTV, with eligibility assessed on rental income stream rather than borrower income. The product line is extended by three specialized variants — Bouwfinanciering (construction/renovation), Zorgvastgoedfinanciering (healthcare real estate), and Uitpondfinanciering (phased portfolio exit). All products are distributed solely through a nationwide network of independent financial advisors.

Product overview

Domivest operates as a specialized mortgage lender for professional real estate investors in rental properties across the Netherlands. The company offers a unified core product (Verhuurhypotheek) complemented by three specialized financing modules: Bouwfinanciering for renovation and transformation projects, Zorgvastgoedfinanciering for healthcare real estate, and Uitpondfinanciering for phased portfolio sales. All products share common features including financing up to 80% LTV and fully interest-only repayment structure, while differentiating in maximum loan amounts, LTV limits, and term structures. Supporting digital tools include a mortgage calculator and customer self-service portal. Founded in 2017, the company has facilitated approximately €2.7 billion in loans across 8 securitisations.

Differentiator

Problem solved

Functional benefit

Products and services

• Verhuurhypotheek (Rental Mortgage) Interest-only mortgage product for professional real estate investors in the Netherlands purchasing or refinancing rental property. Loans from €100,000 to €6,000,000 (€7,500,000 in Amsterdam, Den Haag, Rotterdam, Utrecht), financing up to 80% of market value, fully amortisation-free, with eligibility assessed on the rental income stream rather than the borrower's personal income. Property need not be rented at application time; up to three months allowed to find a tenant.
• Bouwfinanciering (Construction Financing) Construction financing module that allows investors to finance renovation, transformation, or property split projects on top of the Verhuurhypotheek. Features a construction depot (Bouwdepot) starting at €25,000, financing up to 80% of current property value plus up to 50% of post-renovation market value. Mandatory construction inspections apply for depots exceeding €100,000.
• Zorgvastgoedfinanciering (Healthcare Real Estate Financing) Specialised financing for professional investors purchasing or refinancing healthcare real estate, including care homes, assisted living facilities (woonzorgcomplexen, begeleid wonen), and private nursing homes (particuliere verpleeghuizen). Loans between €100,000 and €10,000,000, up to 75% LTV, with interest-only up to 60% LTV and annuity repayment above that. Loan terms are linked to the underlying care lease contract duration (5–20 years). Can be combined with a construction depot. Carries a +0.25% interest rate surcharge.
• Uitpondfinanciering (Exit Financing) Exit financing product for real estate owners gradually selling their portfolio or property complexes. Offers transparent pricing with no penalties or costs upon sale of the underlying property. Fixed 0.3% interest rate surcharge; 0% upfront fee for financing of €2,500,000 or more, 0.5% upfront fee below that threshold. Terms mirror the standard Verhuurhypotheek (up to 80% LTV, fully interest-only).

Quantifiable outcome

• €2.7 billion in loans originated since founding in 2017
• +2 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Eleven partnerships are on record, tiered core.

• Spring ValuationscoreImplementation/ SI/ Consulting PartnerApproved property appraiser for healthcare real estate (zorgvastgoed) valuations required under Domivest's Zorgvastgoedfinanciering product.
• Briq Real EstatecoreImplementation/ SI/ Consulting PartnerApproved property appraiser for healthcare real estate (zorgvastgoed) valuations required under Domivest's Zorgvastgoedfinanciering product.
• Capital ValuecoreImplementation/ SI/ Consulting PartnerApproved property appraiser for healthcare real estate (zorgvastgoed) valuations required under Domivest's Zorgvastgoedfinanciering product.
• Taxatie Instituut Zorgvastgoed NederlandcoreImplementation/ SI/ Consulting PartnerApproved property appraiser for healthcare real estate (zorgvastgoed) valuations required under Domivest's Zorgvastgoedfinanciering product.
• MVGMcoreImplementation/ SI/ Consulting PartnerApproved property appraiser for healthcare real estate (zorgvastgoed) valuations required under Domivest's Zorgvastgoedfinanciering product.
• FRIScoreImplementation/ SI/ Consulting PartnerApproved property appraiser for healthcare real estate (zorgvastgoed) valuations required under Domivest's Zorgvastgoedfinanciering product.
• NDRPcoreImplementation/ SI/ Consulting PartnerApproved property appraiser for healthcare real estate (zorgvastgoed) valuations required under Domivest's Zorgvastgoedfinanciering product.
• EnvaluecoreImplementation/ SI/ Consulting PartnerApproved property appraiser for healthcare real estate (zorgvastgoed) valuations required under Domivest's Zorgvastgoedfinanciering product.
• CollierscoreImplementation/ SI/ Consulting PartnerApproved property appraiser for healthcare real estate (zorgvastgoed) valuations required under Domivest's Zorgvastgoedfinanciering product.
• Stater N.V.coreTechnology or IntegrationStater N.V. provides loan servicing infrastructure including the mijnhypotheekonline.nl customer portal, account management, IBAN change processing, and central complaints management (Stater Centraal Klachtenmanagement). Domivest outsources loan administration and servicing to Stater.
• Bouwinspecteurs.nlcoreImplementation/ SI/ Consulting PartnerFor construction deposits (bouwdepots) exceeding €100,000, Domivest mandates intermediate construction inspections and final inspections through bouwinspecteurs.nl. This third party manages the inspection scheduling, performs the inspections (at €300 excl. VAT per inspection, borne by the borrower), and shares results with Domivest.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• RNHB: RNHB is a Dutch specialist mortgage lender focused on buy-to-let and professional real estate investors — the closest direct peer to Domivest, with a comparable advisory-channel model and income-based underwriting.
• MUNT Hypotheken: MUNT Hypotheken is a Dutch mortgage provider with a defined focus on professional real estate investors, distributing through independent advisors in a model directly comparable to Domivest's Verhuurhypotheek proposition.
• Dynamic Credit: Dynamic Credit is a Dutch asset manager and originator in residential and buy-to-let mortgage credit, with a comparable investor-mortgage focus and active securitisation programme that mirrors Domivest's funding approach.
• Hypotrust: Hypotrust is a Dutch mortgage services and origination platform serving investor and consumer segments, with overlapping distribution through independent advisors and securitisation activity similar to Domivest.

Regional players

• Landbay: Landbay is a UK specialist buy-to-let mortgage lender using a peer-to-backed funding model and broker distribution — comparable in specialist BTL positioning but operating in a different geography from Domivest.
• Paragon Bank: Paragon Bank is one of the UK's largest specialist buy-to-let mortgage lenders, offering products for portfolio landlords — directly comparable to Domivest's investor focus but operating exclusively in the UK.

Broad incumbents

• NIBC Bank: NIBC is a Dutch bank with a residential and commercial mortgage franchise that overlaps with Domivest's investor base — a broader incumbent that competes at the edge of Domivest's niche without the same specialist focus.
• Obvion: Obvion is one of the largest Dutch mortgage providers (backed by Rabobank), distributing via independent advisors and offering investor-mortgage products that partially overlap Domivest's Verhuurhypotheek segment.
• Syntrus Achmea Real Estate & Finance: Syntrus Achmea manages real estate financing for institutional investors in the Netherlands, including residential investment property — a broader incumbent whose investor-mortgage activities intersect Domivest's specialist niche.
• ING (Netherlands mortgage business): ING is a major Dutch retail and commercial bank with an established buy-to-let mortgage offering via advisor channels, representing the incumbent competitive benchmark Domivest positions itself against on speed and specialisation.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/domivest
• LinkedInlinkedin.com/company/domivest

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

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 Domivest