De Nederlandse
De Nederlandse is a Dutch specialist mortgage lender, founded in 2019 as part of Tulp Group, providing rental-property financing (up to 85% LTV, €100K-€4M per loan) exclusively to professional real estate investors through a network of approved financial advisors.
- Company typePrivate
- Founded2019
- HeadquartersUtrecht, Netherlands
- Headcount11–50
- GTM typeB2B
- OfferingServices
What De Nederlandse does
De Nederlandse is a Dutch specialist mortgage lender founded in 2019 as a member of the Tulp Group, headquartered in Utrecht. The company exclusively finances professional real estate investors purchasing residential rental properties (houses, apartments, and combination properties) in the Netherlands, offering loan amounts from €100,000 to €4,000,000 per application with a €7,500,000 per-customer ceiling and LTV ratios up to 85% of market value in rented state. Its core product, the Vastgoedhypotheek, is complemented by the De Groene Vastgoedhypotheek (a first-in-Netherlands green mortgage with rate discounts tied to energy labels), a 1-year fixed-rate "bedenktijd" flexibility option, and a Disagio-regeling that allows borrowers to prepay 1-3% in exchange for reduced interest rates.
The underlying technology is a digital application platform accessible only through approved financial advisors; customers cannot apply directly. Advisors submit applications online, access rate information through published tables, and use an interactive borrowing calculator that estimates maximum loan amounts from rental income and property value. Loan servicing is outsourced to BCMGlobal, which operates the customer portal for statements and servicing requests. The technology stack is described as functional and advisor-friendly rather than AI-driven, with no disclosed machine learning, proprietary models, or data flywheels.
De Nederlandse operates an indirect, channel-exclusive go-to-market: revenue is generated entirely through monthly interest and principal payments on originated mortgages, distributed exclusively via a network of vetted Dutch financial advisors. Marketing is concentrated on the company website (product pages, interest rate tables, advisor finder, FAQ) and advisor recruitment. The firm is led by Pierre de Vos (Financial Director, formerly of DSB Groep and PwC) and Michel Nagtegaal (Operational Director), with a team of roughly 14 professionals across Finance & Control, Credit Acceptance, Marketing & Sales, Compliance, Treasury, and Account Management.
De Nederlandse firmographics
Firmographics- Name
- De Nederlandse
- Legal name
- De Nederlandse
- Website
- https://de-nederlandse.nl
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- De Nederlandse is a Dutch specialist mortgage lender, founded in 2019 as part of Tulp Group, providing rental-property financing (up to 85% LTV, €100K-€4M per loan) exclusively to professional real estate investors through a network of approved financial advisors.
- Ownership category
- akta.pro rank
De Nederlandse industry classification
Industry- Product category
- Commercial Mortgage Lending
- NAICS
- Real Estate Credit (522292)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)
Keywords
Where De Nederlandse is headquartered
LocationHeadquarters
- HQ city
- Utrecht
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
De Nederlandse business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Mortgage Interest Income: De Nederlandse generates revenue through interest payments on mortgage loans extended to professional real estate investors. Loans are provided for rental properties (houses, apartments, and combination properties) with LTV ratios up to 85%. Revenue is earned through monthly interest and principal payments from borrowers over the loan term.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Vastgoedhypotheek (Standard) - Interest rates by LTV and fixed period |
| Subscription | Monthly | Groene Vastgoedhypotheek (Green) - Reduced rates for energy-efficient properties |
| Other | One time/ perpetual license | Disagio-regeling - Prepaid closing fee for rate reduction |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
De Nederlandse product offering
Product offeringCore offering
De Nederlandse provides mortgage financing (Vastgoedhypotheek) to professional real estate investors in the Netherlands for the purchase, refinancing, or combination-property financing of rental houses, apartments, and combination properties. Loans range from €100,000 to €4,000,000 per application with a €7,500,000 maximum exposure per customer, financing up to 85% of market value in rented state, distributed exclusively through approved financial advisors.
Product overview
De Nederlandse offers a suite of mortgage products for professional real estate investors in the Netherlands, centered around the Vastgoedhypotheek (core product) and De Groene Vastgoedhypotheek (sustainability-focused variant). The product line includes flexible interest rate options (1-jaars rente met bedenktijd) and a disagio-regeling for rate optimization. All products finance rental properties (houses, apartments, combination properties) up to 85% LTV, with loan amounts from €100,000 to €4,000,000 per application and €7,500,000 maximum per customer. Applications must be submitted through professional advisors.
Differentiator
Problem solved
Functional benefit
Brands
- De Groene Vastgoedhypotheek: Green Real Estate Mortgage product offering discounts for properties with energy labels A or B, or for improving energy labels C through G
- Vastgoedhypotheek
Products and services
- Vastgoedhypotheek Standard real estate mortgage for professional real estate investors in the Netherlands financing rental properties (houses, apartments, combination properties). Loan sizes range from €100,000 to €4,000,000 per application, up to €7,500,000 per customer, with financing up to 85% of market value in rented state and choice of fixed-rate periods from quarterly variable to 10 years.
- De Groene Vastgoedhypotheek Green real estate mortgage offering 0.10% interest rate discount for properties with energy label A or B at inception, and 0.15% discount for C–G labels that achieve improvement within 6 months. Available for professional investors financing Dutch rental properties.
- 1-jaars rente met bedenktijd Flexible interest rate option providing a 1-year fixed rate period with the ability to switch once, without additional documentation, to a 2-, 3-, 5-, 7-, or 10-year fixed-rate period; if no choice is made, automatically extends to the 5-year fixed rate. Available to professional investors with a De Nederlandse Vastgoedhypotheek.
- Disagio-regeling One-time arrangement-fee option that lets customers pay 1%, 2%, or 3% upfront in exchange for a reduced interest rate during the initial fixed-rate period (5, 7, or 10 years). Available for Vastgoedhypotheek borrowers.
Quantifiable outcome
- Rate offers often delivered within 24 hours
- +2 more outcomes
Companies that use De Nederlandse
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
De Nederlandse technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
De Nederlandse partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- BCMGlobalcoreBCMGlobal provides loan administration and servicing for De Nederlandse mortgages. Customers access the portal via portal.bcmglobal.nl for information about their mortgages, annual statements, and to submit changes.
- Approved Property Appraisers NetworkcoreDe Nederlandse maintains a list of pre-approved property appraisers who can conduct valuations for mortgage applications. Appraisers must use approved models (TMI, NRVT, or Dynamis) and comply with De Nederlandse appraisal guidelines.
Scale indicators5 records
Recent moves7 records
Expansion highlights5 records
De Nederlandse competitors and assessment
Company assessmentDirect peers
- NIBC Bank: NIBC is a Dutch bank with a significant commercial real estate and mortgage finance business, including tailored products for real estate investors. Closest direct competitor in the Dutch investor/buy-to-let mortgage segment, with similar target customers and product structure to De Nederlandse.
- MUNT Hypotheken: MUNT is a Dutch non-bank mortgage originator focused on professional and self-employed borrowers, including investor segments. Comparable business model — non-depository specialist mortgage lender distributing via independent advisors in the Netherlands.
- Florius: Florius is a Dutch mortgage label (ABN AMRO) distributing via independent advisors with flexible underwriting for self-employed and investor borrowers. Comparable non-depository specialist distribution model within the Dutch mortgage market.
- Dynamic Credit: Dynamic Credit is a Dutch asset manager and mortgage originator focused on Dutch residential mortgage portfolios, including investor/buy-to-let exposure. Closely comparable in product focus (Dutch investment property mortgages) and distribution via professional channels.
- Obvion: Obvion is a Dutch mortgage originator (Rabobank subsidiary) serving retail and investor customers via the independent advisor channel. Overlapping channel model, advisor-led distribution, and Dutch investor mortgage offering make it a directly comparable specialist lender.
- Hypotrust: Hypotrust is a Dutch specialty mortgage platform offering investor (buy-to-let) and complex-income mortgages distributed via advisors. Direct peer in the Dutch professional/investor mortgage niche with similar LTV-based product structure.
Regional players
- Argenta Bank Nederland: Argenta is a Belgian-headquartered bank with Dutch operations offering residential mortgage products, including limited investor lending. Comparable as a mid-sized European mortgage provider, though headquartered outside the Netherlands.
Broad incumbents
- Rabobank: Rabobank is the largest Dutch mortgage provider and offers investor mortgages alongside its dominant owner-occupier franchise. As a broad incumbent, it competes on price and brand trust with De Nederlandse's mid-market professional investor segment.
- ING Bank: ING is one of the largest Dutch banks, offering residential and investment property mortgages through its own channels and independent advisors. While not specialist, ING competes across De Nederlandse's customer base with broader balance-sheet capacity.
- ABN AMRO: ABN AMRO is a major Dutch bank with a broad mortgage offering including investment property financing. As a broad incumbent, it competes in De Nederlandse's addressable market with deeper funding and stronger brand recognition.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
De Nederlandse social profiles
Digital presenceDe Nederlandse financial estimates
Financial estimateRevenue estimate
Valuation estimate
De Nederlandse leadership team
Management profileNumber of profiles
Profiles14 records
De Nederlandse funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
De Nederlandse 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 De Nederlandse
What does De Nederlandse do?
De Nederlandse provides mortgage financing (Vastgoedhypotheek) to professional real estate investors in the Netherlands for the purchase, refinancing, or combination-property financing of rental houses, apartments, and combination properties. Loans range from €100,000 to €4,000,000 per application with a €7,500,000 maximum exposure per customer, financing up to 85% of market value in rented state, distributed exclusively through approved financial advisors.
Is De Nederlandse a public or private company?
De Nederlandse is a private company. It is classified as corporate owned and is currently operating.
When was De Nederlandse founded?
De Nederlandse was founded in 2019. It employs 11 to 50 people.
Where is De Nederlandse based?
De Nederlandse is headquartered in Utrecht, Netherlands, in the Europe region.
How does De Nederlandse make money?
One revenue line is on record: mortgage Interest Income.
Who are De Nederlandse's main competitors?
Direct peers on record are NIBC Bank, MUNT Hypotheken, Florius, Dynamic Credit, Obvion and Hypotrust. Argenta Bank Nederland is listed as a regional player. Broad incumbents are Rabobank, ING Bank and ABN AMRO.
Does De Nederlandse have an API?
No public API is recorded for De Nederlandse.
What industry is De Nederlandse in?
De Nederlandse's product category is Commercial Mortgage Lending. Its primary akta.pro industry code is FSALADAH, Construction & Development (C&D) Lending — Commercial/Multifamily. Its NAICS code is 522292 and its SIC code is 6162.