Moneyou
Moneyou B.V. is a Dutch residential mortgage lender and wholly-owned subsidiary of ABN AMRO Hypotheken Groep. Following the November 2025 cessation of new mortgage originations, the company now services its existing Dutch mortgage book via the Mijn Moneyou customer portal and HOMY advisor environment.
- Company typePrivate
- Founded2001
- HeadquartersAmsterdam, Netherlands
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Moneyou does
Moneyou B.V. is a Dutch residential mortgage lender and 100% subsidiary of ABN AMRO Hypotheken Groep (itself part of ABN AMRO Bank N.V.), founded in 2001 and headquartered in Amersfoort. Operating exclusively in the Dutch owner-occupied mortgage market, it serves individual borrowers and independent mortgage advisors (hypotheekadviseurs) through two digital portals: HOMY (advisor environment for application tracking, rate sheets, and policy information) and Mijn Moneyou (customer self-service for balance statements, document uploads, risk-class adjustments, and rate changes). Its core product is the Moneyou Hypotheek, available in annuity and interest-only forms with or without Nationale Hypotheek Garantie (NHG), with sustainability-linked features such as a 0.05% Duurzaamheidskorting and up to 106% LTV financing for energy-saving measures. Effective November 12, 2025, Moneyou no longer accepts new mortgage customers and has progressively narrowed its franchise: savings and payment products (Moneyou Go and Moneyou Sparen) were discontinued in 2021, and personal lending (Moneyou Lenen) was transferred to fellow ABN AMRO subsidiary DEFAM on July 1, 2021.
Underlying technology relies on direct integrations with Dutch government-data gateways via third-party applications (Ockto, iWize, Veilig Ophalen), allowing customers to authorize retrieval of income, employment, and pension data from MijnOverheid, UWV, DUO, and Mijnpensioenoverzicht in lieu of manual document submission. Property valuation is sourced through Maatwerk Woondiensten's network of 400 appraisers (NWWI-certified) and Calcasa's desktop/model valuation products, with NWWI validation gates applied to physical reports. The stack does not include disclosed AI/ML components; automation appears limited to rule-based risk-class recalculation and sustainability discount checks.
The business model is primarily interest income on originated residential mortgages, augmented by construction-deposit (Bouwdepot) float and small transaction-fee revenue from third-party valuation referrals. Moneyou collects fixed or variable rates varying by risk class and fixation period (1-30 years), with surcharges for higher LTV tiers and automatic risk-class reductions as loan-to-value decreases. Distribution is sales-led through independent advisor networks (De Hypotheker, De Hypotheekshop, Huis & Hypotheek, Van Bruggen Adviesgroep, Hypokeur, Hypotheek Visie), with no direct-to-consumer origination channel for new business; existing customers self-serve through Mijn Moneyou. Operating revenues are not publicly disclosed.
Moneyou firmographics
Firmographics- Name
- Moneyou
- Legal name
- Moneyou B.V.
- Website
- https://moneyou.nl
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Moneyou B.V. is a Dutch residential mortgage lender and wholly-owned subsidiary of ABN AMRO Hypotheken Groep. Following the November 2025 cessation of new mortgage originations, the company now services its existing Dutch mortgage book via the Mijn Moneyou customer portal and HOMY advisor environment.
- Ownership category
- akta.pro rank
Moneyou industry classification
Industry- Product category
- Residential Mortgage Lending
- NAICS
- Finance and Insurance (52)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Cash-Out Refinance Origination (FSALAAAF)
Keywords
Where Moneyou is headquartered
LocationHeadquarters
- HQ city
- Amsterdam
- HQ country
- Netherlands
- HQ region
- Europe
Offices2 records
Markets served
Moneyou business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Mortgage Interest Income: Moneyou earns revenue through interest collected on issued mortgages. Customers pay fixed or variable mortgage interest rates across various fixation periods (1-30 years). The interest rate varies by loan-to-value risk class and includes surcharges for higher-risk mortgages and discounts for lower-risk or sustainable (energy label A+) properties.
- Construction Deposit (Bouwdepot) Management: Funds reserved for construction or renovation are held in a separate construction deposit account. Moneyou earns interest on the deposited amount equal to the mortgage interest rate, and the deposit earns a weighted average interest matching the customer's loan tranches.
- Taxation Services (Third-Party Referral): Moneyou provides access to a third-party property valuation service (Moneyou Taxatieservice via Maatwerk Woondiensten) for a fee of €595 for valuation reports and €410 for structural inspections. Moneyou does not receive compensation for referrals through Maatwerk Woondiensten.
- Calcasa Online Valuation Products: Third-party online property valuation products — Calcasa Desktop Taxatie (€95) and Calcasa Model Taxatie (€24.95) — are offered as alternatives to physical valuations. These are processed through external providers, not directly by Moneyou.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Annuity Mortgage (Annuïteitenhypotheek) |
| Subscription | Monthly | Interest-Only Mortgage (Aflossingsvrije Hypotheek) |
| Subscription | Monthly | Nationale Hypotheek Garantie (NHG) |
| Subscription | Monthly | Sustainability Discount (Duurzaamheidskorting) |
| Unit Pricing | Pay-as-you-go | Moneyou Taxatieservice |
| Unit Pricing | Pay-as-you-go | Calcasa Desktop Taxatie |
| Unit Pricing | Pay-as-you-go | Calcasa Model Taxatie |
| Transaction based/ take rate | Pay-as-you-go | Early Repayment Compensation (Vergoeding Vervroegd Aflossen) |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Moneyou product offering
Product offeringCore offering
Moneyou is a Dutch residential mortgage provider that originates and services Moneyou Hypotheken (annuity and interest-only mortgages, with or without NHG guarantee) through a network of independent financial advisors who use the HOMY advisor portal. Existing customers manage their mortgages via the Mijn Moneyou self-service portal. As of November 12, 2025, Moneyou no longer accepts new mortgage customers and continues only to service its existing mortgage portfolio.
Product overview
Moneyou is a Dutch mortgage lender operating as part of ABN AMRO Hypotheken Groep, offering a primarily digital mortgage platform. The core product is the Moneyou Hypotheek, available in Annuitaire (annuity) and Aflossingsvrije (interest-only) forms or combinations, with or without National Mortgage Guarantee (NHG). The product suite includes mortgage portability (Verhuisregeling), construction deposits (Bouwdepot), and sustainable financing for energy improvements up to 106% of property value. Supporting the core mortgage are two digital portals: HOMY for financial advisers and Mijn Moneyou for customer self-service. Discontinued products include Moneyou Sparen (savings), Moneyou Go (banking app), and Moneyou Lenen (personal loans transferred to DEFAM in 2021). Property valuation services are delivered through integrations with Maatwerk Woondiensten, Calcasa Desktop Taxatie, and Calcasa Model Taxatie.
Differentiator
Problem solved
Functional benefit
Brands
- HOMY: Advisors environment for Moneyou Mortgage - provides information about conditions, rates, latest news and applications for mortgage advisors.
Products and services
- Moneyou Hypotheek Dutch residential mortgage product offered in annuity (annuïteitenhypotheek) and interest-only (aflossingsvrije hypotheek) forms, either standalone or combined, with or without National Mortgage Guarantee (NHG) up to €450,000 (or €477,000 when including energy-saving measures). Supports up to 106% loan-to-value when financing energy-saving improvements, includes mortgage portability (verhuisregeling), construction deposits (bouwdepot), automatic risk class adjustments, and a 0.05% sustainability discount for properties with energy label A or better. Customers must engage an independent mortgage advisor for new originations; new customer origination ceased on November 12, 2025.
- HOMY Advisor Portal Dedicated advisor portal providing independent Dutch mortgage advisors with Moneyou Hypotheek conditions, current interest rates, news, application tracking (Track & Trace), downloads, housing policy information, and direct contact with Moneyou specialists. Used by advisor networks including De Hypotheker, De Hypotheekshop, Huis & Hypotheek, Van Bruggen Adviesgroep, Hypokeur, and Hypotheek Visie to originate and manage client mortgage applications.
- Mijn Moneyou Customer Self-Service Portal Self-service customer portal enabling existing Moneyou mortgage customers to view loan details and balances, download statements, request risk class adjustments, submit documents, manage construction deposit (bouwdepot) accounts, request mortgage increases, submit rate change requests, and communicate with Moneyou Klantenservice. Available at hypotheek.moneyou.nl.
- Moneyou Taxatieservice Property valuation service coordinated by Maatwerk Woondiensten through a national network of 400 appraisers, producing NWWI-validated reports that meet Moneyou and NHG requirements within 10 working days of the property visit. Pricing: €595 (all-inclusive) for a standard residential appraisal report for properties up to 800 m³; €410 for a structural inspection. Quotes provided for non-standard or larger properties.
Quantifiable outcome
- No compensation required for annual extra repayments up to 10% of original loan amount
- +5 more outcomes
Companies that use Moneyou
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles2 records
Moneyou technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature5 records
Moneyou partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered minor and core.
- DEFAMminorDEFAM, a 100% subsidiary of ABN AMRO Bank N.V., assumed all existing Moneyou lending (lenen) products effective July 1, 2021, including all associated rights, obligations, and customer data. DEFAM specializes in responsible lending and now manages all former Moneyou personal loan customers.
- Maatwerk WoondienstencoreMaatwerk Woondiensten provides the Moneyou Taxatieservice, coordinating a network of 400 property valuers across the Netherlands. They produce valuation reports meeting NWWI standards and Moneyou/NHG requirements, delivered within 10 working days of property visits, at a fixed price of €595 for standard residential properties. Moneyou does not receive compensation for referrals through this service.
- CalcasacoreCalcasa provides online property valuation products used by Moneyou: the Calcasa Desktop Taxatie (€95, delivered within 4 working hours) for mortgage portability, increases, and bridging loans, and the Calcasa Model Taxatie (€24.95) for risk class adjustments and mortgage form changes. Both integrate directly into Moneyou's digital application workflow.
- OcktocoreOckto is a digital document retrieval application integrated into Moneyou's mortgage application and increase processes. It allows customers to authorize secure, direct retrieval of income, employment, and pension data from Dutch government sources (MijnOverheid, UWV, DUO, Mijnpensioenoverzicht) via their advisor's customer portal, replacing manual document submission.
- iWizecoreiWize is an alternative digital document retrieval application used by Moneyou alongside Ockto and Veilig Ophalen. It enables customers to authorize secure, direct data retrieval from Dutch government sources (MijnOverheid, UWV, DUO, Mijnpensioenoverzicht) through their advisor's customer portal, eliminating manual document collection.
- Veilig OphalencoreVeilig Ophalen is a secure data retrieval service used by Moneyou alongside Ockto and iWize, enabling customers to authorize direct access to government data sources (MijnOverheid, UWV, DUO, Mijnpensioenoverzicht) via their advisor's portal, replacing manual document submission for mortgage applications and increases.
- Nationale Hypotheek Garantie (NHG) / Stichting Waarborgfonds Eigen Woningen (WEW)coreNHG (Stichting Waarborgfonds Eigen Woningen) provides guarantee coverage for eligible Moneyou mortgages up to €450,000 (or €477,000 with energy measures). NHG protects lenders against residual debt upon forced sale and allows borrowers access to the Woonlastenfaciliteit when experiencing payment difficulties.
- NWWI (Nederlands Woning Waarde Instituut)coreNWWI validates property valuation reports produced through the Moneyou Taxatieservice. All physical valuation reports must be approved by NWWI before being accepted by Moneyou for mortgage decisions, ensuring standardized quality and reliability of valuations.
Scale indicators4 records
Recent moves6 records
Expansion highlights3 records
Moneyou competitors and assessment
Company assessmentDirect peers
- Lot Hypotheken: Dutch digital mortgage lender acquired by NN Group, focused on advisor-distributed residential mortgages. Comparable in digital origination, advisor portal, and competitive rate positioning within the Dutch market.
- ING Hypotheken: One of the largest Dutch residential mortgage lenders, distributed through independent advisors and direct channels. Closely comparable to Moneyou in product range (annuity, interest-only, NHG) and advisor-led distribution model.
- Rabobank Hypotheken: Major Dutch mortgage lender offering annuity, linear, and interest-only mortgages through advisor and direct channels. Comparable in NHG-backed origination, sustainability-linked discounts, and nationwide Dutch footprint.
- BLG Wonen: Dutch mortgage label (part of De Volksbank) distributed through independent advisors. Directly comparable in advisor-portal-led origination, annuity/interest-only products, and NHG-backed lending.
- Argenta Hypotheken: Belgian-owned Dutch mortgage lender operating via advisor networks with annuity, interest-only, and NHG products. Comparable in advisor-only distribution and standard Dutch residential mortgage product set.
- NIBC Hypotheek: Dutch challenger bank with a sizable residential mortgage franchise. Comparable in advisor-channel distribution and focus on competitive interest-rate positioning within the Dutch retail mortgage market.
- Hypotrust: Dutch residential mortgage investor and servicer managing third-party originated portfolios. Comparable in mortgage servicing capabilities and infrastructure that could absorb Moneyou's run-off book.
- Obvion: Dutch mortgage lender (Rabobank subsidiary) distributed primarily through independent advisors. Closely comparable to Moneyou in advisor-led origination, NHG products, and construction-deposit features.
Broad incumbents
- ABN AMRO Hypotheken: Parent group's flagship mortgage brand and the broader Dutch mortgage platform under which Moneyou B.V. sits. Directly comparable product set and distribution; relevant as the ultimate consolidator of Moneyou's residual book.
Others
- Stichting Waarborgfonds Eigen Woningen (NHG / WEW): Dutch national mortgage guarantee fund under which all Moneyou Hypotheek loans up to €450k (€477k with energy measures) are insured. Not a competitor but a structural counterparty whose guarantee framework defines Moneyou's product economics.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Moneyou social profiles
Digital presenceMoneyou compliance and trust
Trust signalCompliance5 records
Moneyou financial estimates
Financial estimateRevenue estimate
Valuation estimate
Moneyou leadership team
Management profileNumber of profiles
Profiles2 records
Moneyou funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Moneyou M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Moneyou
What does Moneyou do?
Moneyou is a Dutch residential mortgage provider that originates and services Moneyou Hypotheken (annuity and interest-only mortgages, with or without NHG guarantee) through a network of independent financial advisors who use the HOMY advisor portal. Existing customers manage their mortgages via the Mijn Moneyou self-service portal. As of November 12, 2025, Moneyou no longer accepts new mortgage customers and continues only to service its existing mortgage portfolio.
Is Moneyou a public or private company?
Moneyou is a private company. It is classified as corporate owned and is currently operating.
When was Moneyou founded?
Moneyou was founded in 2001. It employs 51 to 100 people.
Where is Moneyou based?
Moneyou is headquartered in Amsterdam, Netherlands, in the Europe region.
How does Moneyou make money?
Four revenue lines are on record. Mortgage Interest Income is the primary driver. The others are construction Deposit (Bouwdepot) Management, taxation Services (Third-Party Referral) and calcasa Online Valuation Products.
Who are Moneyou's main competitors?
Direct peers on record are Lot Hypotheken, ING Hypotheken, Rabobank Hypotheken, BLG Wonen, Argenta Hypotheken, NIBC Hypotheek, Hypotrust and Obvion. ABN AMRO Hypotheken is listed as a broad incumbent. Stichting Waarborgfonds Eigen Woningen (NHG / WEW) is listed as an others.
Does Moneyou have an API?
No public API is recorded for Moneyou.
What industry is Moneyou in?
Moneyou's product category is Residential Mortgage Lending. Its primary akta.pro industry code is FSALAAAF, Cash-Out Refinance Origination. Its NAICS code is 52 and its SIC code is 6162.