Moneyou

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.

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

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

• Residential mortgage lending
• Mortgage origination
• Mortgage servicing
• Mortgage advisory services
• Dutch mortgage provider

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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.
3. 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.
4. 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

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core 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

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered minor and core.

• DEFAMminorStrategic or Co-development Partner · 1 July 2021DEFAM, 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 WoondienstencoreTechnology or IntegrationMaatwerk 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.
• CalcasacoreTechnology or IntegrationCalcasa 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.
• OcktocoreTechnology or IntegrationOckto 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.
• iWizecoreTechnology or IntegrationiWize 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 OphalencoreTechnology or IntegrationVeilig 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)coreOthersNHG (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)coreTechnology or IntegrationNWWI 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

Direct 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

• Xx.com/moneyounl
• Facebookfacebook.com/MoneYouNederland
• LinkedInlinkedin.com/company/moneyou

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Moneyou