What Woonnu does

Woonnu is a Dutch mortgage provider and trade name of Nationale-Nederlanden Bank N.V. (NN Bank), founded in 2020 and headquartered in Den Haag with operations support in Capelle aan den IJssel. The company sells a sustainable residential mortgage that rewards energy-efficient homes with interest rate discounts starting from energy label B, with deeper discounts for better labels, plus extra borrowing capacity (€10k–€20k depending on label) and up to 6% above post-renovation value for energy-saving measures through Energiebespaarvoorziening (EBV) and Energiebespaarbudget (EBB). Supporting products include the Groene Meeneemregeling for mortgage portability to a new property, an Overbruggingskrediet bridge loan, and the Mijn Woonnu online portal hosted at mijnleninginzicht.nl for servicing.

The technology stack is a standard consumer-finance web platform rather than a proprietary risk engine: the woonnu.nl website hosts a Verduurzamingscheck tool that stores user inputs, interest rates, and session IDs in browser LocalStorage, and the wider NN Group cookie/analytics infrastructure (Adobe Experience Cloud, Medallia, Cloudflare bot management). Mortgage processing, acceptance, and ongoing administration are outsourced to Quion Services B.V., one of the Netherlands' largest independent mortgage servicers, while on-site sustainability advisory and energy label assessments are delivered through partner Positief Wonen (€99 personal advice; energy labels from €245–€444). Document collection runs via the Ockto integration.

Woonnu's revenue model is interest income on originated mortgages underwritten on the NN Bank balance sheet, priced publicly in bands by NHG status, loan-to-value (60% to >100%), and fixed-rate period (1–30 years), with energy-label-based discounts applied on top. Go-to-market is exclusively through a network of independent mortgage advisors found via a postal-code-based finder on the website; Woonnu does not provide direct mortgage advice. Distribution, funding, and regulatory standing are all anchored to NN Bank, and in April 2026 NN Bank announced that no new Woonnu mortgages will be offered from May 1, 2026, with the brand moving into run-off servicing the existing book.

Name

Woonnu

Legal name

Nationale-Nederlanden Bank N.V.

Website

https://woonnu.nl

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Woonnu is a Dutch sustainable-mortgage brand and trade name of Nationale-Nederlanden Bank, offering interest-rate discounts from energy label B and integrated sustainability financing, distributed via independent advisors and in run-off since May 2026.

Ownership category

akta.pro rank

Product category

Sustainable Mortgage Lending

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL)

akta.pro secondary industry

Down Payment Assistance (DPA) & Homebuyer Subsidy Programs (FSALAKAE)

Keywords

• Sustainable mortgage lending
• Energy-efficient home financing
• Dutch residential mortgages
• Green mortgage products
• Energy label discounts

Headquarters

HQ city

Den Haag

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Lending: Woonnu generates revenue through mortgage lending activities. As a mortgage provider underwritten by Nationale-Nederlanden Bank, they earn interest income on issued mortgages. Interest rates vary based on loan-to-value ratio, fixed-rate period, and energy label of the property.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels6 records

Core offering

Woonnu is a Dutch mortgage provider that lends residential mortgages with interest rate discounts tied to a property's energy label (starting from energy label B). Each improvement in a home's energy label during the mortgage term increases the discount. Mortgage applications are supported by the Verduurzamamscheck online sustainability tool and supplementary financing products (EBV/EBB) that fund energy-saving measures as part of the mortgage.

Product overview

Woonnu is a Dutch mortgage provider and brand of Nationale-Nederlanden Bank N.V., founded in 2020, offering a unified sustainable mortgage product with integrated sustainability tools and financing options. The core offering is the Woonnu Hypotheek, which provides interest rate discounts starting from energy label B to reward energy-efficient homes. This is supported by a digital Verduurzamingscheck tool for homeowners to explore sustainability options, supplemented by advisory services through partner Positief Wonen. Financing options include Energiebespaarvoorziening (EBV) for known measures and Energiebespaarbudget (EBB) for planned improvements, both integrated into the mortgage. Additional features include the Groene Meeneemregeling for mortgage portability, an Overbruggingskrediet bridge loan, and Mijn Woonnu customer portal for self-service management. Mortgages are distributed exclusively through a network of independent advisors.

Differentiator

Problem solved

Functional benefit

Products and services

• Woonnu Hypotheek (Sustainable Mortgage)
• Verduurzamamscheck (Sustainability Check)
• Energiebespaarvoorziening (EBV)
• Energiebespaarbudget (EBB)
• Groene Meeneemregeling (Green Takeover Rule)
• Overbruggingskrediet (Bridge Loan)
• Verduurzamamsadvies (Sustainability Advisory)
• Mijn Woonnu (Customer Portal)

Quantifiable outcome

• Interest rate discount from energy label B onwards - better labels receive higher discounts
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Quion Services B.V.coreOthersQuion Services B.V. handles mortgage processing, acceptance, and administration for Woonnu. They manage the backend operations including loan servicing, payment processing, and customer administration. Quion has a dedicated team for Woonnu customers to handle questions quickly and carefully. Quion is one of the largest independent mortgage processors in the Netherlands.
• Positief WonencoreStrategic or Co-development PartnerPositief Wonen is Woonnu's sustainability partner, providing on-site sustainability advice to customers. They offer personal sustainability advice (€99), custom energy labels (from €444), and basic energy labels (from €245). Their advisors visit customers' homes and create detailed reports with recommendations, costs, and environmental impact.
• Nationale-Nederlanden Bank N.V. (NN Bank)coreOthersWoonnu is a trade name (merk) of Nationale-Nederlanden Bank N.V. NN Bank provides the financial backing, regulatory oversight, and institutional framework for Woonnu's mortgage operations. Woonnu was founded in 2020 as a brand of NN Bank.
• Nationaal WarmtefondsminorStrategic or Co-development PartnerReference partner for government-supported energy loans. Woonnu directs customers to the Nationaal Warmtefonds for Energiebespaarlening (Energy Saving Loans) as an alternative or complementary financing option for home sustainability improvements alongside EBV/EBB.
• RVO (Rijksdienst voor Ondernemend Nederland)minorOthersGovernment agency providing ISDE subsidies (Investeringssubsidie Duurzame Energie) that Woonnu informs customers about as an additional financing option for home sustainability measures.

Scale indicators1 record

Recent moves7 records

Expansion highlights3 records

Direct peers

• Obvion N.V. Obvion is a Dutch mortgage specialist offering residential mortgages through an independent advisor network — the same go-to-market model Woonnu uses. Both serve Dutch homebuyers via advisor intermediation and operate dedicated digital servicing portals.
• Triodos Bank N.V. (NL): Triodos Bank is a Dutch sustainability-focused bank offering green mortgages to owner-occupied and investment properties. Like Woonnu, sustainability and energy efficiency are central to product design and pricing, making it the closest comparable for both mission and target customer.
• Moneyou (part of Rabobank): Moneyou was an online Dutch mortgage label distributed through advisors and is now part of Rabobank. It overlaps with Woonnu on the Dutch digital/label mortgage category and advisor-led distribution.
• ASN Bank: ASN Bank is a Dutch sustainable bank (part of Volksbank) that offers sustainability-themed mortgages and explicitly integrates sustainability into pricing. It competes with Woonnu for the same sustainability-oriented Dutch homeowner segment.
• Hypotrust B.V. Hypotrust is a Dutch mortgage label/distributor offering residential mortgages through independent advisors. As a label-only structure focused on advisor distribution, it is highly comparable to Woonnu's brand-and-advisor-network model.

Broad incumbents

• ING Bank N.V. (ING Hypotheek): ING is one of the largest Dutch banks with sustainability-themed mortgage products and energy-label-linked pricing. It overlaps with Woonnu's sustainability narrative but as part of a much broader retail banking portfolio.
• Rabobank: Rabobank is the largest Dutch mortgage provider and offers sustainability-linked mortgage features. It competes with Woonnu for the same Dutch homeowner segment but as a broad cooperative bank, not a niche sustainability brand.
• ABN AMRO Bank N.V. ABN AMRO is a major Dutch universal bank with sustainability-themed mortgage products. It competes for the same Dutch sustainable-homeowner segment but as part of a large diversified retail bank.

Emerging players

• NIBC Bank N.V. NIBC is a Dutch bank with a niche in sustainable and energy-efficient mortgage products. It targets overlapping Dutch homeowner segments but operates as a full-service bank rather than a sustainability-only label.

Regional players

• Argenta Nederland N.V. Argenta is a Belgian-headquartered bank that operates in the Dutch mortgage market through independent advisors. It is comparable as an advisor-distributed Dutch mortgage provider, though its home market is Belgium rather than the Netherlands.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Woonnu
• LinkedInlinkedin.com/company/woonnu

Compliance1 record

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 Woonnu