What Huis & Hypotheek does

Huis & Hypotheek is an independent Dutch financial advisory franchise network headquartered in Amsterdam that intermediates mortgage, insurance, and related financial products for Dutch retail consumers. Founded in 1989, the company operates under the legal entity Huis & Hypotheek Centrale Organisatie B.V. and delivers advice through a network of independently owned franchise branches across the Netherlands, supplemented by telephone, video, and online consultation channels. Its core offering is Hypotheekadvies (independent mortgage advice) comparing products from over 40 financial product providers, with related insurance advisory (home, life, motor), sustainable-financing (SeeF), and life-stage subsegments such as starters, movers, refinancing, divorce, and pension transitions.

The product surface spans advisory services and self-service digital tools — including online calculators for maximum mortgage, refinancing savings, and rent-versus-buy analysis, a daily-updated mortgage interest rate comparison, the Klantmap customer document portal, and a downloadable Werkgeversverklaring employer-income form. There is no proprietary technology platform or app referenced in the source data; the digital layer is a marketing, calculation, and document-management layer wrapping a fundamentally human, face-to-face advisory model. Distribution is omnichannel: franchise locations drive bottom-of-funnel acquisition through local networks, while the website, blog, email newsletter, and social channels (Facebook, Instagram, LinkedIn, X, Pinterest) generate top-of-funnel awareness.

The business model is professional-services intermediation: as an independent advisor with no provider ownership ties, Huis & Hypotheek earns commissions or fees from banks, insurers, and mortgage specialists for placing products, and franchisees pay into the central organization for brand, marketing, tooling, and compliance support. Pricing is quote-based at the franchise level, with a free initial consultation offered; pricing is not publicly disclosed. Customer segments are horizontal — primarily first-time home buyers, home movers, refinancing customers, and insurance buyers — and the company operates exclusively in the Netherlands under AFM/KiFiD regulation and the Wft.

Name

Huis & Hypotheek

Legal name

Huis & Hypotheek Centrale Organisatie B.V. h.o.d.n. Huis & Hypotheek

Website

https://huis-hypotheek.nl

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

11–50 employees

Short description

Huis & Hypotheek is a Dutch independent financial advisory franchise network headquartered in Amsterdam that intermediates mortgage and insurance products from 40+ providers for Dutch retail consumers across in-person, telephone, and digital channels.

Ownership category

akta.pro rank

Product category

Independent Mortgage and Insurance Advisory

NAICS

Insurance Carriers and Related Activities (524), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Private Client/High-Net-Worth Advisory (FSAEAAAN)

Keywords

• Independent mortgage advice
• Financial advisory services
• Insurance advisory
• Mortgage refinancing
• Franchise financial services

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory and Intermediation Services: The company earns revenue by providing independent financial advisory services, comparing mortgage and insurance products from over 40 providers, and facilitating product applications. As independent advisors, they receive commissions or fees from financial product providers for intermediation services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Huis & Hypotheek is an independent financial advisory franchise network that compares and intermediates mortgage and insurance products from over 40 Dutch providers. Its core service is personalized mortgage advice (Hypotheekadvies), supplemented by insurance advisory and supplementary home financing services. Advice is delivered face-to-face at franchise branches, by telephone, or via digital channels, with supporting online calculators and a customer document portal.

Product overview

Huis & Hypotheek is an independent financial advisory franchise offering a unified advisory service for mortgages and insurance. The core offering centers on hypotheekadvies (mortgage advice), supported by a suite of online calculator tools (Maximale Hypotheek Berekenen, Hypotheek Oversluiten Berekenen, Huren of Kopen Berekenen) and an independently maintained interest rate comparison tool (Actuele Hypotheekrente) covering over 40 providers. Additional mortgage-related services include Bieden met Zekerheid, Hypotheek Oversluiten, Besparen op Maandlasten, and Verbouwing Financieren. Insurance products span Verzekeringsadvies, Woonverzekeringen, Levensverzekeringen, and Goed Verzekerd op Weg. The company also provides a customer portal (Klantmap) and a downloadable Werkgeversverklaring form. All advice is delivered by independent advisors without ties to specific lenders, ensuring comparison across the full provider network.

Differentiator

Problem solved

Functional benefit

Products and services

• Hypotheekadvies Independent mortgage advisory service that compares products from over 40 Dutch providers to match each customer's financial situation, housing wishes, and future plans.
• Verzekeringsadvies Independent insurance advisory service covering home, life, and motor insurance, ensuring customers receive appropriate protection without overpaying.
• Hypotheek Oversluiten Mortgage refinancing service enabling customers to switch existing mortgages to a more favorable provider or product for cost savings.
• Besparen op Maandlasten (Hypotheek Aanpassen) Service to adjust an existing mortgage in order to reduce monthly payments, including restructuring or switching to alternative products.
• Bieden met Zekerheid Service that provides certainty during the home bidding process, helping buyers make confident offers in a competitive Dutch housing market.
• Verbouwing Financieren Financing solution for home renovations, allowing customers to borrow additional funds for renovation purposes within their existing or new mortgage.
• Starterslening Starter loan available for first-time homebuyers who need additional supplementary financing beyond their standard mortgage.
• SeeF (Samen Eerlijk Financieren) Sustainable financing solution related to responsible and fair financing practices, integrated within the Huis & Hypotheek advisory portfolio.
• Woonverzekeringen Home insurance products covering buildings and contents insurance for homeowners, arranged through independent advisors.
• Levensverzekeringen Life insurance products providing financial protection for families and dependents, arranged through independent advisors.
• Goed Verzekerd op Weg Motor insurance advisory and products covering vehicles for road users in the Netherlands.
• Actuele Hypotheekrente Independently collected daily-updated mortgage interest rate comparison covering more than 40 Dutch providers.
• Klantmap Customer portal providing clients with online access to their documents, records, and financial information managed by Huis & Hypotheek advisors.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• 40+ Financial Product ProviderscoreOthersHuis & Hypotheek maintains partnerships with over 40 financial product providers including banks, insurers, and mortgage specialists. This extensive network enables independent comparison and recommendations across the Dutch financial services market.
• OvFD (Organisatie van Financiële Dienstverleners)coreStrategic or Co-development PartnerHuis & Hypotheek participates in the Advieswijzer initiative developed by the four largest independent mortgage advisory chains in collaboration with the OvFD (Organisation of Financial Service Providers). This partnership establishes standards for independent financial advice in the Netherlands.
• Onafhankelijk AdviesminorOthersHuis & Hypotheek is connected to the Onafhankelijk Advies (Independent Advice) brand, which represents independent financial advisors meeting specific criteria for unbiased financial product recommendations.

Scale indicators2 records

Recent moves1 record

Expansion highlights4 records

Direct peers

• Hypotheek Visie: Dutch mortgage advisory chain offering independent mortgage and insurance advice through a network of franchise offices, sharing Huis & Hypotheek's intermediation model, target customers, and franchise-based distribution.
• Van Bruggen Adviesgroep: Dutch financial advisory group offering mortgage, insurance, and financial planning services through a national network, comparable to Huis & Hypotheek in service scope, customer segments, and franchise-style distribution.
• De Hypotheekshop: The largest Dutch independent mortgage and financial advisory franchise chain, directly comparable to Huis & Hypotheek in offering independent mortgage advice across a national network of franchise locations in the Netherlands.
• AFS Advies: Dutch independent financial advisor network providing mortgage and insurance advice with a similar intermediation model and franchise-based distribution to Huis & Hypotheek.
• Duijvestein: Dutch mortgage and insurance advisor operating through local offices across the Netherlands, comparable to Huis & Hypotheek in service offering and focus on first-time buyers, movers, and refinancing customers.

Emerging players

• Pricewise: Dutch online comparison site for insurance, mortgages, and energy. Competes with Huis & Hypotheek's advisory intermediation by enabling direct customer comparison and switching without human advisory.
• Hypotheek24: Online mortgage comparison and brokerage platform in the Netherlands. Competes with Huis & Hypotheek in mortgage distribution through a digital-first, lower-cost model targeting self-directed consumers.
• Independer.nl: Dutch online comparison platform for insurance, mortgages, and financial products. Threatens Huis & Hypotheek's traditional intermediation model by enabling customers to compare and apply directly without paying advisory fees.

Broad incumbents

• Rabobank: Large Dutch cooperative bank with significant mortgage and insurance distribution. Competes with Huis & Hypotheek's independent advisory model as a major direct provider, particularly dominant in the residential mortgage market.
• ING: Major Dutch bank offering direct mortgages, insurance, and financial advice at scale. Competes with Huis & Hypotheek in mortgage distribution, but as a tied provider with proprietary distribution rather than an independent intermediary.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/HuisHypotheek
• Facebookfacebook.com/HuisenHypotheek

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 Huis & Hypotheek