bijBouwe
bijBouwe is a Dutch non-bank residential mortgage lender under Dynamic Credit Group, serving Dutch consumers via self-service digital, in-house advisors, and independent advisors. It funds mortgages through institutional investors and offers the bijBouwe Vooruit product plus Bieden met Zekerheid and automated Verbeterplan sustainability tools.
- Company typePrivate
- Founded2015
- HeadquartersAmsterdam, Netherlands
- Headcount11–50
- GTM typeB2C
- OfferingServices
What bijBouwe does
bijBouwe is a Dutch non-bank residential mortgage lender founded in 2015 and headquartered in Amsterdam, operating under Dynamic Credit Group B.V. via two AFM-licensed entities: Dynamic Credit Hypotheken B.V. (the lender, vergunning 12043449) and bijBouwe Advies & Bemiddeling B.V. (the advisory/intermediary, vergunning 12043450). The company raises capital from institutional investors (pension funds, insurers, banks) rather than retail deposits, and distributes its products through three channels: a self-service digital route (aanvragen.bijbouwe.nl) under Execution Only ('Zelf afsluiten'), an in-house advisor route ('Samen met een bijBouwe adviseur'), and a referral channel routing customers to independent mortgage advisors via advieskeuze.nl and HDN.
The product surface is anchored by the bijBouwe (basis) Hypotheek and the bijBouwe Vooruit Hypotheek, the latter adding automatic risk-class reduction when LTV improves, a sustainability-discounted rate tranche, consumptive mortgage increases on non-NHG loans, and desktop valuation support. Two add-on products differentiate on pain points: Bieden met Zekerheid, a BNP Paribas Cardif-backed pre-bid certificate that insures buyers against 10% bid-loss penalties; and the Verbeterplan, an automated energy-improvement plan for label-D-or-worse homes. Operational servicing and the MijnLeninginzicht customer portal are outsourced to Quion.
Revenue is generated through net interest spread on originated mortgages, one-time advisory and mediation fees (€570 promotional / €950 standard for self-service; €1,500-€1,700 for guided advice; €250-€800 for mortgage increases), and transaction fees on mortgage modifications. The customer base spans Dutch first-time buyers, home switchers, refinancers, self-employed/flex workers, seniors near retirement, and sustainability-focused homeowners, with independent mortgage advisors as a parallel B2B2C user segment.
bijBouwe firmographics
Firmographics- Name
- bijBouwe
- Legal name
- bijBouwe Advies & Bemiddeling B.V.
- Website
- https://bijbouwe.nl
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- bijBouwe is a Dutch non-bank residential mortgage lender under Dynamic Credit Group, serving Dutch consumers via self-service digital, in-house advisors, and independent advisors. It funds mortgages through institutional investors and offers the bijBouwe Vooruit product plus Bieden met Zekerheid and automated Verbeterplan sustainability tools.
- Ownership category
- akta.pro rank
bijBouwe industry classification
Industry- Product category
- Residential Mortgage Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Home Equity Loan & HELOC Intermediation (FSAEAEAD)
Keywords
Where bijBouwe is headquartered
LocationHeadquarters
- HQ city
- Amsterdam
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
bijBouwe business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Mortgage Lending Interest Income: bijBouwe earns revenue primarily through interest on the mortgages it issues to consumers. The mortgage products include the bijBouwe (basis) Hypotheek and the bijBouwe Vooruit Hypotheek, each generating interest income over the life of the loan. Revenue is derived from the spread between funding costs (institutional investor returns) and mortgage interest charged to borrowers.
- Advice and Mediation Fees: bijBouwe charges fees for mortgage advice and mediation services: €950 self-service (€570 promotional price), €1,750 for guided advice (€1,500 for starters), with additional administrative fees for mortgage increases (€250 + €700) and mortgage increases with advisor (€800).
- Mortgage Increase / Modification Fees: Fees charged for modifying existing mortgages, including increases, refinancing, and changes to repayment form or interest rate period. Administrative costs and advisory fees apply per modification.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Zelf afsluiten (Execution Only) - New mortgage |
| Other | Pay-as-you-go | Samen met een bijBouwe adviseur - Starter |
| Other | Pay-as-you-go | Samen met een bijBouwe adviseur - Doorstromer/Oversluiter |
| Other | Pay-as-you-go | With an independent advisor |
| One time/ perpetual license | Pay-as-you-go | Mortgage increase - Self-service |
| Other | Pay-as-you-go | Mortgage increase - With bijBouwe advisor |
| Other | Pay-as-you-go | Mortgage increase - With independent advisor |
| One time/ perpetual license | Pay-as-you-go | Meeneem-/verhuisregeling (Portability) fee |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels8 records
bijBouwe product offering
Product offeringCore offering
bijBouwe is a non-bank Dutch mortgage lender that originates and services residential mortgages funded by institutional investors rather than retail deposits. It sells two mortgage products — the bijBouwe (basis) Hypotheek and the bijBouwe Vooruit Hypotheek — distributed via self-serve digital channels, internal advisors, or independent advisors, with complementary offerings such as the Verbeterplan (automated sustainability plan) and Bieden met Zekerheid (pre-bid affordability certificate backed by BNP Paribas Cardif).
Product overview
bijBouwe is a Dutch mortgage provider offering two main mortgage products: the bijBouwe (basis) Hypotheek and the bijBouwe Vooruit Hypotheek (the primary product for new customers). The Vooruit product features automatic risk class adjustment when customers pay down their mortgage, discounted rates for sustainability improvements, and the ability to consumptively increase the loan on non-NHG mortgages. Additional offerings include Bieden met Zekerheid (a guarantee product with BNP Paribas Cardif enabling responsible bidding on homes) and the Verbeterplan (automated sustainability improvement plan for homes with energy labels D or worse). Customers can arrange mortgages independently (Execution Only) or with advisor assistance.
Differentiator
Problem solved
Functional benefit
Products and services
- bijBouwe (basis) Hypotheek A Dutch residential mortgage product with sharp interest rates and flexibility features, available to consumers either self-arranged (Execution Only) or with advisor assistance.
- bijBouwe Vooruit Hypotheek The flexible residential mortgage that grows with the customer, featuring automatic risk-class adjustment as LTV improves, discounted rates for sustainability improvements, and the option for consumptive increases on non-NHG mortgages.
- Bieden met Zekerheid A pre-bid certificate product offered in collaboration with BNP Paribas Cardif that provides a maximum responsible bid amount and protects buyers from the typical 10% penalty if their mortgage is ultimately rejected after an accepted bid.
- Verbeterplan Automated sustainability improvement plan for homes with energy label D or worse, showing which energy-efficient measures are needed to reach at least energy label C, including estimated investment and savings.
Quantifiable outcome
- Savings of €7,755 over 9 years by reducing risk class from 100% LTV (2.42%) to 90% LTV (2.05%)
- +3 more outcomes
Companies that use bijBouwe
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles4 records
bijBouwe technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature5 records
bijBouwe partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- BNP Paribas CardifcoreBieden met Zekerheid (Bidding with Certainty) is a joint product between bijBouwe Vooruit and BNP Paribas Cardif. The product provides a pre-bid affordability assessment and warranty certificate. If the buyer's mortgage is rejected after an accepted bid, BNP Paribas Cardif covers the 10% penalty under certified limits. bijBouwe facilitates the application route via HDN and manages the mortgage process.
- QuioncoreQuion manages bijBouwe's mortgage servicing and customer communications after loan closing. Quion operates the 'MijnLeninginzicht' customer portal where customers can view mortgage information, make changes, and submit construction deposit declarations. Quion has also worked on accessibility of its services for people with visual or other impairments.
- homeQgominorhomeQgo provides an online sustainability scan tool that bijBouwe recommends to customers to determine which energy-efficient measures are suitable for their home, estimated investment, and payback period. homeQgo also connects customers with a network of installers. The partnership is referenced in bijBouwe's sustainability and supplier pages, and in FAQ content.
- Vereniging Eigen Huis (Owners' Association)minorVereniging Eigen Huis offers free online sustainability checks (insulation, heat pump, solar panel) that bijBouwe recommends to customers. The association can also provide execution services with collective pricing benefits. bijBouwe directs customers to eigenhuis.nl/verduurzamen via its sustainability and supplier pages.
- De EnergiebespaardersminorDe Energiebespaarders (The Energy Savers) is the largest national energy advisor in the Netherlands, offering an online home scan tool and connecting customers with the right suppliers and installers. Referenced on bijBouwe's supplier page as an alternative to homeQgo.
- HDN (Hypotheek Data Netwerk)coreHDN is the Dutch mortgage industry data network enabling electronic data exchange between mortgage advisors and lenders. bijBouwe uses HDN to process mortgage applications, including the Bieden met Zekerheid product route. HDN facilitates the digital submission of application data from advisors to bijBouwe.
Scale indicators2 records
Recent moves6 records
Expansion highlights4 records
bijBouwe competitors and assessment
Company assessmentDirect peers
- Vista Hypotheken: Dutch non-bank mortgage provider serving starters, switchers, and investors through an advisor-led model — comparable to bijBouwe in product scope and Dutch non-bank positioning.
- Obvion: Dutch non-bank mortgage originator (joint venture of Rabobank and ABN AMRO) selling through independent advisors — comparable origination model and advisor-channel dependence, though at larger scale.
- Hypotrust: Dutch non-bank mortgage originator that lends via institutional funding and distributes through independent advisors — directly comparable to bijBouwe's model, scale, and target customer.
- NIBC Direct Hypotheek: Dutch direct/online mortgage lender from NIBC, targeting consumers seeking a non-bank mortgage digitally — comparable to bijBouwe on funding model and digital-first GTM.
- Attens Hypotheken: Dutch non-bank mortgage provider (part of the Vivat/SR Groep group) distributing via the advisor channel — comparable product and distribution approach to bijBouwe.
- HollandWoont: Dutch mortgage brand offering intermediary-distributed residential mortgage products — competes with bijBouwe for the same independent advisor channel and Dutch consumer segments.
Broad incumbents
- Rabobank: Major Dutch retail bank with a large mortgage portfolio and broad advisor/broker reach — an incumbent competitor whose deposit funding and scale set the rate benchmark bijBouwe competes against.
- ING: Largest Dutch bank with a major residential mortgage franchise and dominant brand — competes with bijBouwe on rate and product breadth, but from a vastly larger deposit-funded base and full-service offering.
- ABN AMRO: Major Dutch bank with a sizable mortgage origination franchise (and part-owner of Obvion) — competes with bijBouwe across both consumer-direct and independent-advisor channels.
Others
- De Hypotheekshop: Largest Dutch mortgage broker franchise network; a key distribution alternative for Dutch mortgage consumers and a channel peer relevant to bijBouwe's independent-advisor strategy.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
bijBouwe social profiles
Digital presencebijBouwe financial estimates
Financial estimateRevenue estimate
Valuation estimate
bijBouwe leadership team
Management profileNumber of profiles
Profiles2 records
bijBouwe funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
bijBouwe 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 bijBouwe
What does bijBouwe do?
bijBouwe is a non-bank Dutch mortgage lender that originates and services residential mortgages funded by institutional investors rather than retail deposits. It sells two mortgage products — the bijBouwe (basis) Hypotheek and the bijBouwe Vooruit Hypotheek — distributed via self-serve digital channels, internal advisors, or independent advisors, with complementary offerings such as the Verbeterplan (automated sustainability plan) and Bieden met Zekerheid (pre-bid affordability certificate backed by BNP Paribas Cardif).
Is bijBouwe a public or private company?
bijBouwe is a private company. It is classified as corporate owned and is currently operating.
When was bijBouwe founded?
bijBouwe was founded in 2015. It employs 11 to 50 people.
Where is bijBouwe based?
bijBouwe is headquartered in Amsterdam, Netherlands, in the Europe region.
How does bijBouwe make money?
Three revenue lines are on record. Mortgage Lending Interest Income is the primary driver. The others are advice and Mediation Fees and mortgage Increase / Modification Fees.
Who are bijBouwe's main competitors?
Direct peers on record are Vista Hypotheken, Obvion, Hypotrust, NIBC Direct Hypotheek, Attens Hypotheken and HollandWoont. Broad incumbents are Rabobank, ING and ABN AMRO. De Hypotheekshop is listed as an others.
Does bijBouwe have an API?
No public API is recorded for bijBouwe.
What industry is bijBouwe in?
bijBouwe's product category is Residential Mortgage Lending. Its primary akta.pro industry code is FSAEAEAD, Home Equity Loan & HELOC Intermediation. Its NAICS code is 52231 and its SIC code is 6162.