IQWOON
IQWOON is a Dutch residential mortgage lender serving approximately 12,300 Dutch homeowners with a portfolio exceeding €2 billion. Founded in 2016 and now in run-off mode since May 2023, the company services existing mortgages via its Mijn IQWOON digital portal and Blauwtrust Groep infrastructure.
- Company typePrivate
- Founded2016
- HeadquartersRotterdam, Netherlands
- Headcount11–50
- GTM typeB2C
- OfferingServices
What IQWOON does
IQWOON Hypotheken 1 B.V. is a Dutch residential mortgage provider headquartered in Capelle aan den IJssel, Netherlands, and a subsidiary of Dutch Mortgage Portfolio Management (DMPM) within the Blauwtrust Groep. Founded in 2016, the company built a residential mortgage portfolio of over €2 billion across 12,300 Dutch homeowners during seven years of operation, distributing products through independent mortgage advisors connected via channel partners including ROMEO Financiële Diensten, DAK, MO.Servicing (BlueLine Hypotheekdesk, Basic Serviceproviding, Huismerk), and De Hypotheker.
IQWOON's core product is the IQWOON Hypotheek, offered in three standard Dutch mortgage forms: annuïtaire (annuity), lineaire (linear), and aflossingsvrije (interest-only). The platform differentiates through its dagrente (day-rate) pricing model, which automatically applies the lower of the contracted rate or the prevailing market rate at both mortgage completion (passeren) and at rate-revision dates. Additional product modules include Bouwdepot (construction deposit management), IQWOON Duurzaam (financing up to 106% LTV for energy-efficient improvements), Hypotheek Verhogen (mortgage increases), Extra Aflossen (up to 20% annual penalty-free repayment via iDEAL), Meeneemregeling (mortgage portability), and Overbruggingshypotheek (bridging finance). Customers access the platform through the Mijn IQWOON self-service portal (mijnleninginzicht.nl), which provides 24/7 account management, payment handling, and document download capabilities.
Revenue is generated primarily through interest income on the outstanding mortgage portfolio, supplemented by NHG administration fees (0.4% of mortgage amount at origination) and compensation fees for early repayments exceeding the 20% penalty-free allowance. Pricing follows published rate tables segmented by NHG status, LTV tier (65%, 65–80%, 80–95%, >95%), and fixed-rate period (1–30 years), with current representative NHG rates ranging from 3.82% (1-year fixed) to 4.87% (30-year fixed, interest-only). As of 1 May 2023, IQWOON closed to new mortgage applications and now operates in run-off mode, servicing only its existing portfolio. Back-office administration, acceptance, and portfolio management are handled by Quion and DMPM respectively, both fellow Blauwtrust Groep subsidiaries.
IQWOON firmographics
Firmographics- Name
- IQWOON
- Legal name
- IQWOON Hypotheken 1 B.V.
- Website
- https://iqwoon.nl
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- IQWOON is a Dutch residential mortgage lender serving approximately 12,300 Dutch homeowners with a portfolio exceeding €2 billion. Founded in 2016 and now in run-off mode since May 2023, the company services existing mortgages via its Mijn IQWOON digital portal and Blauwtrust Groep infrastructure.
- Ownership category
- akta.pro rank
IQWOON industry classification
Industry- Product category
- Residential Mortgage Lending
- NAICS
- Nondepository Credit Intermediation (5222), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG)
- akta.pro secondary industry
- Loss Mitigation & Home Retention Servicing (Modifications/Forbearance/Repayment Plans) (FSALAEAG)
Keywords
Where IQWOON is headquartered
LocationHeadquarters
- HQ city
- Rotterdam
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
IQWOON business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Technology or R&D, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Mortgage Interest Income: IQWOON generates revenue by providing residential mortgages to Dutch homeowners. Customers pay monthly interest and principal (or interest-only during the interest-only period) on their mortgages. The revenue model is a standard interest-bearing mortgage portfolio. The company has accumulated a portfolio of over 2 billion euros across 12,300 mortgages since its founding in 2016. No new mortgages have been originated since May 1, 2023, as the company is now in run-off mode serving its existing portfolio.
- NHG (Nationale Hypotheek Garantie) Administration Fees: Customers who opt for NHG (Nationale Hypotheek Garantie) pay a fee of 0.4% of the mortgage amount (in 2025). This fee is collected upfront at mortgage origination and provides a government-backed guarantee against default.
- Late Payment and Early Repayment Fees: IQWOON charges compensation fees (vergoeding) for early repayment exceeding the 20% annual penalty-free allowance, calculated per AFM guidelines. Additional fees may apply for expedited construction deposit payments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Annuïtaire en Lineaire Hypotheek - Interest rates vary by LTV tier and fixed-rate period |
| Subscription | Monthly | Aflossingsvrije Hypotheek - Slightly higher rates than annuity/linear products |
| One time/ perpetual license | Monthly | Nationale Hypotheek Garantie (NHG) fee |
| One time/ perpetual license | Monthly | Overbruggingshypotheek (Bridging Mortgage) |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
IQWOON product offering
Product offeringCore offering
IQWOON originates and services Dutch residential mortgages through three repayment structures (annuity, linear, and interest-only), supported by NHG guarantees and the proprietary Mijn IQWOON self-service portal. As of 1 May 2023 the company has stopped accepting new applications and now services only its existing portfolio of approximately 12,300 mortgages exceeding EUR 2 billion in value. Ancillary offerings include bridging mortgages (overbruggingshypotheek), mortgage portability (meeneemregeling), buyer assumption (doorgeefregeling), and energy-efficiency financing up to 106% of property value.
Product overview
IQWOON is a Dutch mortgage lender offering a unified mortgage product portfolio through its proprietary platform. The core IQWOON Hypotheek supports three main mortgage types: Lineaire Hypotheek (linear), Annuïtaire Hypotheek (annuity), and Aflossingsvrije Hypotheek (interest-only). The offering includes multiple add-on modules such as Bouwdepot for construction deposits, Automatische Aanpassing Rente for automatic rate reductions, IQWOON Duurzaam for energy-efficient financing up to 106% LTV, Hypotheek Verhogen for mortgage increases, Extra Aflossen for penalty-free early repayment (up to 20% annually), Meeneemregeling for mortgage portability, Overbruggingshypotheek for bridging finance, and Doorgeefregeling for buyer assumption. Customers access services through the Mijn IQWOON self-service portal or via a network of independent mortgage advisors. As of May 1, 2023, IQWOON ceased accepting new mortgage applications but continues servicing its existing portfolio of over 12,300 mortgages worth approximately EUR 2 billion.
Differentiator
Problem solved
Functional benefit
Products and services
- IQWOON Hypotheek The core Dutch residential mortgage product launched by IQWOON in 2016, offering flexible fixed-rate periods, dagrente (day-rate) pricing, the ability to transfer the mortgage to a new property via the meeneemregeling, and access through the Mijn IQWOON self-service portal. Closed to new applications as of 1 May 2023.
- Annuïtaire Hypotheek (Annuity Mortgage) Mortgage with fixed monthly payments where the interest portion decreases and principal portion increases over time, keeping gross payments constant while net costs (after tax deduction) rise over the term. Designed for Dutch homeowners seeking predictable monthly outflows with full principal repayment by maturity.
- Lineaire Hypotheek (Linear Mortgage) Mortgage where the borrower repays a fixed amount of principal each month, resulting in decreasing total monthly payments over time as the interest portion shrinks. Suited to Dutch homeowners who expect rising future income or want to build equity faster in the early years of the loan.
- Aflossingsvrije Hypotheek (Interest-Only Mortgage) Mortgage where only interest is paid during the term with the full principal due at maturity, offering lower monthly payments but requiring eventual repayment via sale, savings, or a follow-on product. Priced at a small premium to annuity and linear variants.
- Overbruggingshypotheek (Bridging Mortgage)
Quantifiable outcome
- Automatic rate reduction when customer's risk class lowers due to amortization or extra repayment — no action required
- +4 more outcomes
Companies that use IQWOON
Customer profileSegments2 records
Ideal customer profiles2 records
IQWOON technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
IQWOON partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- Dutch Mortgage Portfolio Management (DMPM)coreDMPM is the portfolio manager responsible for the management and execution of IQWOON mortgages. As a subsidiary of the Blauwtrust Groep, DMPM handles the strategic oversight and portfolio administration of the IQWOON mortgage book. IQWOON is a subsidiary of DMPM.
- Quion Groep B.V.coreQuion executes acceptance, administration, and management of IQWOON mortgages. It is also part of the Blauwtrust Groep. IQWOON is a trading name of Quion Hypotheekbemiddeling BV. Quion provides customer service, processing, and servicing infrastructure.
- Blauwtrust GroepcoreBlauwtrust Groep is the parent organization of IQWOON, DMPM, Quion, De Hypotheker, and ROMEO. It is the overarching entity that initiated and owns the IQWOON mortgage brand. The group provides shared infrastructure, brand, and distribution across its subsidiary brands.
- ROMEO Financiële DienstencoreROMEO Financiële Diensten is a channel partner through which mortgage advisors access IQWOON products. It is one of the primary go-to-market routes for IQWOON's advisor network. Sub-partners include BlueLine Hypotheekdesk, Basic Serviceproviding, and Huismerk.
- DAKcoreDAK is a mortgage advisor network partner through which advisors distribute IQWOON mortgage products to Dutch homeowners. DAK provides access to IQWOON's product suite for its member advisors.
- De HypothekercoreDe Hypotheker, part of the Blauwtrust Groep, is one of the largest independent mortgage advisory chains in the Netherlands. It serves as a major distribution channel for IQWOON mortgage products through its nationwide branch network.
- MO.Servicing (BlueLine Hypotheekdesk, Basic Serviceproviding, Huismerk)coreMO.Servicing handles mortgage administration processing for IQWOON through its brands BlueLine Hypotheekdesk (formerly Conneqt), Basic Serviceproviding, and Huismerk. These service providers process mortgage applications and manage ongoing servicing on behalf of IQWOON.
- Stichting Waarborgfonds Eigen Woningen (NHG)coreIQWOON offers mortgages with Nationale Hypotheek Garantie (NHG), a government-backed guarantee provided by Stichting Waarborgfonds Eigen Woningen. NHG protects both borrower and lender against default, and allows IQWOON to offer lower interest rates and customers to borrow up to higher LTV ratios with the guarantee.
- NibudminorIQWOON references Nibud (Nationaal Instituut voor Budgetvoorlichting) income and expenditure norms for mortgage affordability assessments. Nibud standards are used to determine maximum borrowing capacity and to advise customers on financial planning.
Scale indicators5 records
Recent moves5 records
Expansion highlights4 records
IQWOON competitors and assessment
Company assessmentDirect peers
- Tulp Hypotheken: Tulp Hypotheken is a Dutch online mortgage lender offering residential mortgages with NHG support and partner-advisor distribution. Closely comparable to IQWOON's product set, NHG integration, and advisor-led GTM.
- Lot Hypotheken: Lot Hypotheken is a Dutch online mortgage lender offering residential mortgages with a digital application flow and advisor-channel distribution. It competes in the same niche as IQWOON — focused, online-first mortgage origination for Dutch homeowners via partner advisors.
- Hypotheek Visie: Hypotheek Visie is a Dutch mortgage advisor chain distributing products from multiple lenders. Highly comparable to IQWOON's distribution model through independent advisors and the De Hypotheker network.
- Obvion: Obvion is a Dutch non-bank mortgage lender (joint venture between Rabobank and ABN AMRO) offering residential mortgages through advisor channels. Comparable business model and advisor-led distribution to IQWOON.
- MUNT Hypotheken: MUNT Hypotheken is a Dutch non-bank mortgage lender with a strong sustainability/energy-efficiency focus and advisor-led distribution. Direct competitor to IQWOON in online and sustainability-angled Dutch residential mortgages.
- Vista Hypotheken: Vista Hypotheken is a Dutch online mortgage lender focused on residential mortgages distributed via independent advisors. Direct competitor in the same advisor-led, online mortgage niche as IQWOON.
Broad incumbents
- De Hypotheker: De Hypotheker is the largest independent mortgage advisor chain in the Netherlands and a sister company to IQWOON within Blauwtrust Groep. It is a distribution channel for IQWOON products but operates as a broader mortgage intermediary across many lenders.
- NIBC Direct Hypotheek: NIBC Bank offers Dutch residential mortgages through NIBC Direct, including online application flows and advisor channels. Comparable online-first Dutch mortgage offering with similar LTV and NHG features.
- Quion: Quion is a major Dutch mortgage and consumer-loan servicer, and the back-office servicer for IQWOON mortgages as a Blauwtrust sister company. Comparable operations in mortgage servicing and administration infrastructure.
Emerging players
- HollandWoont: HollandWoont is a relatively newer Dutch mortgage platform offering residential mortgages through digital channels. Comparable emerging online-mortgage proposition in the Netherlands.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
IQWOON social profiles
Digital presenceIQWOON financial estimates
Financial estimateRevenue estimate
Valuation estimate
IQWOON leadership team
Management profileNumber of profiles
Profiles1 record
IQWOON funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
IQWOON 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 IQWOON
What does IQWOON do?
IQWOON originates and services Dutch residential mortgages through three repayment structures (annuity, linear, and interest-only), supported by NHG guarantees and the proprietary Mijn IQWOON self-service portal. As of 1 May 2023 the company has stopped accepting new applications and now services only its existing portfolio of approximately 12,300 mortgages exceeding EUR 2 billion in value. Ancillary offerings include bridging mortgages (overbruggingshypotheek), mortgage portability (meeneemregeling), buyer assumption (doorgeefregeling), and energy-efficiency financing up to 106% of property value.
Is IQWOON a public or private company?
IQWOON is a private company. It is classified as corporate owned and is currently operating.
When was IQWOON founded?
IQWOON was founded in 2016. It employs 11 to 50 people.
Where is IQWOON based?
IQWOON is headquartered in Rotterdam, Netherlands, in the Europe region.
How does IQWOON make money?
Three revenue lines are on record. Mortgage Interest Income is the primary driver. The others are NHG (Nationale Hypotheek Garantie) Administration Fees and late Payment and Early Repayment Fees.
Who are IQWOON's main competitors?
Direct peers on record are Tulp Hypotheken, Lot Hypotheken, Hypotheek Visie, Obvion, MUNT Hypotheken and Vista Hypotheken. Broad incumbents are De Hypotheker, NIBC Direct Hypotheek and Quion. HollandWoont is listed as an emerging player.
Does IQWOON have an API?
No public API is recorded for IQWOON.
What industry is IQWOON in?
IQWOON's product category is Residential Mortgage Lending. Its primary akta.pro industry code is FSALAAAG, First-Time Homebuyer (FTHB) Mortgage Origination, with a secondary code of FSALAEAG, Loss Mitigation & Home Retention Servicing (Modifications/Forbearance/Repayment Plans). Its NAICS code is 5222 and its SIC code is 6162.