What HypotheekCompany does

HypotheekCompany B.V. is a privately held Dutch mortgage intermediary headquartered in Enschede, operating a soft-franchise network of approximately 100 independent advisory offices across the Netherlands. The company serves residential mortgage customers — first-time buyers, existing homeowners refinancing or releasing equity, and seniors — as well as commercial-property borrowers through a dedicated Bedrijfshypotheek vertical. Each affiliated office retains its own brand identity while accessing a centralized assortment of 36+ Dutch mortgage providers and insurers, regulatory and compliance support, marketing services, and the proprietary Splickr platform.

The company's central technology asset is Splickr, an in-house developed proprietary platform launched in July 2018 that enables digital mortgage dossier management, mobile and desktop document upload, real-time processing status, and dramatically compressed brokerage timelines — targeting 4-5 hours of processing time versus the 4-5 weeks typical in the Dutch market, particularly in partnership with Lot Hypotheken. Splickr underpins the Mijn HypotheekCompany customer portal, providing end-borrowers real-time visibility into their application status. Adjacent products include the Duurzaamheidsprofiel sustainability-assessment tool launched in July 2022, online mortgage calculators, comparison cards (vergelijkingskaarten), the HypoTalkshow video series, and the Learning Center for advisor professional development.

HypotheekCompany monetizes through two primary revenue streams: (1) per-transaction dossier fees charged to franchise advisors for each mortgage case processed through HypotheekCompany (no monthly retainer), and (2) a fixed periodic subscription for Splickr platform access irrespective of volume. The go-to-market blends organic social media, content marketing, digital tools, event sponsorship, and a physical channel of "advieswinkels" (advice shops) launched in 2015. The central organization is lean — approximately 7 named employees including founder/Director Christian Dijkhof, Formula Manager Lonneke van den Brink, and Marketing & Learning Center and Hypotheek Support Center staff — with franchisees operating as independent businesses that collectively drive consumer-facing distribution.

Name

HypotheekCompany

Legal name

The HypotheekCompany B.V.

Website

https://hypotheekcompany.nl

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

HypotheekCompany operates a Dutch soft-franchise network of approximately 100 independent mortgage advisory offices nationwide, serving residential and commercial borrowers through affiliated advisors using its proprietary Splickr platform and access to 36+ Dutch lenders.

Ownership category

akta.pro rank

Product category

Mortgage Advisory & Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Home Equity & HELOC Intermediaries (FSALABAE)

Keywords

• Mortgage advisory services
• Mortgage brokerage
• Independent financial advice
• Residential mortgages
• Franchise advisory network

Headquarters

HQ city

Enschede

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Dossier fees / Transaction fees: Advisors pay a dossier fee for each mortgage case they process through the HypotheekCompany platform. This is a per-transaction fee rather than a recurring monthly charge. No monthly fee is charged.
2. Splickr platform subscription: A fixed monthly/periodic fee for access to the Splickr online platform, charged regardless of the number of applications or users per month. This provides advisors with the digital tools needed to run their practice under the franchise.
3. Advisory fees (advisor remuneration): Advisors are compensated via declaration of hours worked at market-conforming hourly rates. The central organization's own advisors are also compensated this way. The company assesses advisors on integer, solid, and customer-oriented conduct.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

HypotheekCompany provides independent mortgage advisory and intermediation through a nationwide soft-franchise network of approximately 100 affiliated advisory offices, giving consumers access to the broadest assortment of Dutch mortgage lenders and insurers via its proprietary Splickr digital platform. For independent advisors, the company delivers a B2B franchise formula providing the Splickr platform, compliance subscriptions, marketing support, a Learning Center, and a central Hypotheek Support Center for back-office operations. Central revenues come from per-dossier transaction fees, Splickr subscriptions, and hourly advisory fees, while end-consumer pricing is quote-based.

Product overview

HypotheekCompany operates as a soft-franchise formula with approximately 100 independent advisory offices across the Netherlands, offering independent mortgage advisory and intermediation services. The core offering consists of Splickr.nl, a proprietary software platform developed in-house that enables advisors and customers to process mortgage applications with fast turnaround times and real-time status insight, supplemented by the Mijn HypotheekCompany customer portal. Additional modules include the Duurzaamheidsprofiel sustainability assessment tool, Hypotheek berekenen calculation tools, Bedrijfshypotheek business mortgage services, the Hypotheek Support Center for advisor support, a Learning Center for professional development, compliance services, and marketing support. The company provides access to a comprehensive assortment of mortgage providers and related financial products through independent advisors while maintaining central organizational support functions.

Differentiator

Problem solved

Functional benefit

Brands

• Splickr: Proprietary online software platform developed by HypotheekCompany for advisors and their customers to manage mortgage applications and track dossier status in real-time.

Products and services

• Hypotheek Advies (Mortgage Advisory) Core mortgage advisory and intermediation service for Dutch consumers, offered through ~100 independent affiliated advisory offices. Provides independent advice with access to the most comprehensive mortgage assortment in the Netherlands, covering ~36+ banks and insurers.
• Splickr.nl Proprietary software platform developed in-house by HypotheekCompany for mortgage advisors and their customers. Enables fast processing of mortgage dossiers, real-time insight into status, and document upload via mobile or desktop, dramatically reducing processing timeframes.
• Mijn HypotheekCompany (Customer Portal) Customer-facing online portal providing end customers with real-time visibility into the status of their mortgage applications and related documentation. Linked to the Splickr platform.
• Duurzaamheidsprofiel (Sustainability Profile) Digital tool that allows customers to download a sustainability profile of their (future) home by entering postcode and house number. The report shows how the home scores on energy consumption and provides savings estimates, costs, and ROI for energy improvements.
• Hypotheek berekenen (Mortgage Calculator) Online mortgage calculation tools that allow customers to compute their maximum mortgage amount and view current Dutch mortgage interest rates across providers in a few simple steps.
• Bedrijfshypotheek (Business Mortgage) Business mortgage advisory service for entrepreneurs and SME owners to purchase, renovate, or refinance commercial property. Customers are directed to the dedicated bedrijfshypotheek.nl platform.
• Adviescoach Hypotheken Coaching service in which HypotheekCompany advisors provide expert technical knowledge and product knowledge across all common Dutch money lenders and insurers to support affiliated financial advisors in mortgage intermediation.
• Learning Center Educational service for affiliated advisors offering annual PE SEH in-company training, an online professional competence academy, exam preparation support, and assistance in selecting study formats.
• Compliance Services Compliance subscription for affiliated advisors including a basic module and mortgage license component for WFT-compliant advice, with optional expansion modules covering additional regulatory requirements.
• Marketing Support Marketing service providing customized materials for affiliated advisors: advertising creation, text assistance, social media support, and marketing tools, provided at nominal rates with no fixed fees.
• Bemiddeling op maat (Customized Intermediation) Customized intermediation service in which HypotheekCompany handles direct customer contact, employer coordination, and complete mediation trajectories on behalf of affiliated advisors.
• Vergelijkingskaarten (Comparison Cards) Downloadable comparison cards available as PDFs covering mortgages, employer pensions, risk coverage, and wealth building — used for consumer education and advisor support.
• Hypotheek Support Center Central support facility staffed by HypotheekCompany employees providing affiliated advisors with technical question handling, product knowledge, lender coordination, and monitoring of mortgage dossiers.
• Advieswinkels (Advice Shops) Physical co-working spaces where 3-4 affiliated advisors can rent a fully furnished, equipped desk to receive clients. The central organization provides everything from the representative fit-out to a working network cable so advisors can start immediately with their laptop.

Quantifiable outcome

• Average mortgage brokerage processing time reduced from 4-5 weeks to 4-5 hours, as targeted through the Splickr platform and partnership with Lot Hypotheken.
• +1 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Lot HypothekencoreStrategic or Co-development Partner · 1 January 2021Lot Hypotheken is a Dutch mortgage provider founded in 2019 and 100% subsidiary of NIBC Bank. They offer modern, sustainable mortgages and share HypotheekCompany's ambition to drastically accelerate the brokerage process from 4-5 weeks to 4-5 hours. Their fast evaluation capabilities, combined with HypotheekCompany's Splickr platform, enable this acceleration. Lot Hypotheken benefits from HypotheekCompany's nationwide network of ~100 advisors for expanded market reach.
• Splickr (internal platform)coreTechnology or IntegrationSplickr is the proprietary software platform developed and owned by HypotheekCompany. It serves as the central digital infrastructure for both advisors (document upload, dossier management, real-time processing timelines) and end customers (portal access). It is a core proprietary asset enabling the company's competitive positioning.
• Advieskeuze (Advice Choice platform)minorChannel Partner/ Reseller/ DistributorEach affiliated HypotheekCompany office has a listing on Advieskeuze, a consumer comparison and review platform for financial advisors. This drives inbound customer leads to the franchise network.
• Compliance partner (unspecified)coreImplementation/ SI/ Consulting PartnerHypotheekCompany partners with a compliance specialist to offer affiliated advisors a compliance subscription covering WFT licensing requirements and mortgage brokerage regulations. This ensures all franchisees meet regulatory standards.
• AdviesboxminorGTM or Marketing PartnerPartnership offering additional discounts for HypotheekCompany franchisees on services provided by Adviesbox (a business software/provider). Part of the 'extra voordelen bij samenwerkende partijen' (extra benefits from partner companies) program.
• NHB (Nationale Hypotheek Bond)minorGTM or Marketing PartnerPartnership offering additional discounts for HypotheekCompany franchisees on NHB services. Included in the 'extra voordelen bij samenwerkende partijen' program.
• Various Dutch mortgage providers and insurerscoreOthersHypotheekCompany's assortment includes approximately 36+ Dutch banks and insurers as mortgage providers. The company acts as a brokerage intermediary between these lenders/insurers and consumers through its affiliated advisor network. Providers include: IQWOON, Obvion, Woonnu, Clarian Wonen, Lot Hypotheken, De Nederlandse, HollandWoont, Tulp Hypotheken, Jungo, Merius Hypotheken, Allianz, Woonfonds, MUNT Hypotheken, NIBC (via Lot), and others.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Hypotheek24: Digital-first Dutch mortgage comparison and advisory platform focused on online mortgage applications. Comparable as a Dutch consumer-facing mortgage advisor, though more digital-led than HypotheekCompany's local-advisor model.

Direct peers

• Hypotheek Visie: National Dutch mortgage advisory network with affiliated advisors across the country, offering independent mortgage advice and intermediation services. Comparable as another franchise-style Dutch mortgage broker chain targeting the same consumer segments.
• De Hypotheker: The largest Dutch mortgage broker chain, operating a multi-office network of independent advisors offering mortgage advice and intermediation across the Netherlands. Closely comparable as a Dutch mortgage brokerage franchise model with multiple local offices.
• DGH (De Goede Hypotheek): Dutch mortgage broker network connecting independent advisors with multiple lenders, providing tools, support, and a multi-bank mortgage assortment. Directly comparable in business model — a Dutch multi-advisor mortgage brokerage platform.
• Hanno: Dutch financial services network supporting independent advisors with mortgage, insurance, and financial planning products. Comparable as a Dutch advisor-support network offering tools, backoffice, and product assortment.

Broad incumbents

• Aegon (Dutch mortgage operations): Dutch insurance and mortgage provider, one of the lenders available in the HypotheekCompany assortment. Comparable in the Dutch residential mortgage market with overlapping distributor relationships.
• ING (mortgage origination): Major Dutch bank originating residential mortgages directly and through intermediaries. Comparable as a large-scale Dutch mortgage originator with overlapping advisor and consumer relationships, though operating as a bank rather than pure broker.
• Rabobank (mortgage origination): Large Dutch cooperative bank with a significant mortgage origination franchise and intermediary relationships. Overlaps in Dutch mortgage advice and product assortment, serving as a lender HypotheekCompany brokers for.
• ABN AMRO (mortgage origination): Major Dutch bank with significant residential mortgage origination. Overlaps with HypotheekCompany on Dutch mortgage advice, where ABN AMRO distributes products through both direct channels and intermediaries.

Others

• Advieskeuze: Dutch consumer comparison and review platform for financial advisors where HypotheekCompany franchisees are listed. Comparable as an ecosystem partner driving inbound leads to the Dutch mortgage broker network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Hypocomp
• YouTubeyoutube.com/channel/UCX9kD516_dj_vCpX11tX3sg
• Facebookfacebook.com/HypotheekCompany
• LinkedInlinkedin.com/company/hypotheekcompany-nederland
• Instagraminstagram.com/hypotheekcompany

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 HypotheekCompany