Fonds Duurzaam Funderingsherstel

What Fonds Duurzaam Funderingsherstel does

Fonds Duurzaam Funderingsherstel (legal entity: Stichting Fonds Duurzaam Funderingsherstel, trade name FDF) is a Dutch non-profit foundation established in 2017 by the national government (Rijksoverheid) to address a public-policy gap: private homeowners in the Netherlands who face foundation problems — settling, pile rot (paalrot), or structural cracking — but cannot obtain market-conform financing due to insufficient income. The fund's sole lending product is the Funderingslening Maatwerk, a custom hypothecary loan structured in two parts — a Maatwerk tranche and a Combinatielening — covering foundation repair and related costs including financial advice and structural damage restoration. Pricing is not publicly disclosed and is set per applicant based on financial capacity; the loan carries a fixed interest rate, a three-year payment-free window, and a financial reassessment (hertoets) at the end of year three to calibrate monthly payments to the borrower's circumstances. Early repayment is permitted with a €250 minimum.

The fund operates as a policy instrument rather than a commercial lender. It received €20M in initial government capital in 2017 and is scheduled to receive an additional €20M in 2026, for a total of €40M of committed policy capital. From 2017 until July 1, 2025 access was geographically limited to municipalities and provinces with cooperation agreements; from July 1, 2025 the fund is available nationwide. Operations — loan processing, customer service, fund administration — are executed by Stichting Stimuleringsfonds Volkshuisvesting Nederlandse gemeenten (SVn), meaning the fund itself runs with a 6-person team based in Amersfoort while inheriting SVn's distribution, compliance, and servicing infrastructure. Contractor disbursements are gated on KCAF and NVAF recognition lists, and credit/mortgage data is exchanged with BKR and NHG. Governance sits with a board chaired by Ruud Kok (Bestuursvoorzitter), with the Ministry of Housing and Spatial Planning receiving anonymized operational reporting and AFM as supervisory authority for accessibility compliance. Revenue is generated through interest and repayment on the loan book; the fund is not listed and has no private shareholders.

Name

Fonds Duurzaam Funderingsherstel

Legal name

Stichting Fonds Duurzaam Funderingsherstel

Website

https://funderingsherstelfonds.nl

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

Fonds Duurzaam Funderingsherstel is a Dutch government-established foundation providing the Funderingslening Maatwerk — a custom hypothecary loan — to private homeowners with foundation problems who cannot access market-conform financing. The fund operates nationwide from July 2025 and is executed by SVn.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

akta.pro primary industry

Renovation/Remodel-to-Perm Financing (Owner-Occupied) (FSALAHAF)

Keywords

• Foundation repair financing
• Residential mortgage lending
• Housing preservation loans
• Government home financing
• Property restoration lending

Headquarters

HQ city

Amersfoort

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Others, Infrastructure, Marketing or Sales

Revenue model

1. Loan Interest and Repayments: The fund generates revenue through interest payments on the Funderingslening Maatwerk loans. The loan consists of two parts: a Maatwerk loan and a Combinatielening. During the first three years, borrowers do not pay monthly amounts as the Combinatielening covers the repayment. After three years, a reassessment (hertoets) is conducted to determine if the borrower can afford the monthly payments. The interest rate is fixed for the entire loan term.
2. Government Funding: The fund was established by the Dutch government (Rijksoverheid) with initial contributions of €20 million in 2017, with an additional €20 million contribution scheduled for 2026 to ensure continued availability of funding for homeowners in need.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Fonds Duurzaam Funderingsherstel provides the Funderingslening Maatwerk, a government-backed hypothecary loan for private Dutch homeowners who cannot obtain market-conforming financing for foundation repairs. The loan combines a Maatwerk portion and a Combinatielening, includes a three-year payment-free period, and is repaid on a financial-capacity basis after reassessment.

Product overview

Fonds Duurzaam Funderingsherstel is a specialized financial fund that offers the Funderingslening Maatwerk (Foundation Loan Custom) product to private homeowners in the Netherlands. The fund operates as a government initiative (established in 2017 by the national government and executed by SVn) to provide financing for foundation repair costs. The Funderingslening Maatwerk consists of two loan components designed to accommodate the financial situation of homeowners, with flexible repayment terms including a three-year payment-free period.

Differentiator

Problem solved

Functional benefit

Products and services

• Funderingslening Maatwerk A hypothecary (mortgage-backed) loan for private Dutch homeowners facing foundation problems (settling, pile rot, structural cracking) who cannot obtain market-conforming financing due to insufficient income. The loan consists of two parts — a Maatwerk loan and a Combinatielening — and includes a three-year payment-free period, after which monthly repayment is set based on financial capacity reassessment (hertoets). Loan proceeds are disbursed via a bouwdepot to certified contractors and can cover financial advice fees and structural damage repair. Fixed interest rate applies for the full term.

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and supporting.

• SVn (Stichting Stimuleringsfonds Volkshuisvesting Nederlandse gemeenten)coreImplementation/ SI/ Consulting Partner · 1 January 2017SVn serves as the fund manager and executor of the Fonds Duurzaam Funderingsherstel. SVn handles the operational management of the fund, including loan processing, customer service, and fund administration. The fund is legally structured as Stichting Fonds Duurzaam Funderingsherstel.
• Ministerie van Volkshuisvesting en Ruimtelijke Ordening (Ministry of Housing and Spatial Planning)coreStrategic or Co-development PartnerThe ministry receives reports on the operational progress of the fund based on anonymized data. The fund supports the ministry's public policy objectives for housing preservation and national housing stock quality. The ministry was instrumental in the establishment of the fund and its national expansion.
• Bureau Krediet Registratie (BKR)supportingTechnology or IntegrationBKR is consulted for customer acceptance checks during loan applications. Payment arrears and other credit information may be shared with BKR in connection with the loan. This supports fraud prevention and responsible lending practices.
• Stichting Waarborgfonds Eigen Woningen (NHG)supportingTechnology or IntegrationWhen homeowners obtain a mortgage with National Mortgage Guarantee (NHG), data is exchanged with Stichting Waarborgfonds Eigen Woningen for the application and management of the mortgage, to meet NHG conditions.
• KCAF (Kenniscentrum Aanpak Funderingsschade)supportingChannel Partner/ Reseller/ DistributorKCAF maintains the official recognition list (erkenningslijst) of contractors qualified for foundation repair. The fund verifies that contractors are listed on the KCAF recognition list or are members of NVAF before approving loans.
• NVAF (Nederlandse Vereniging van Funderingsspecialisten)supportingChannel Partner/ Reseller/ DistributorNVAF maintains a members list of foundation specialists. The fund verifies that contractors are on the NVAF members list or the KCAF recognition list before approving loans. Both lists serve as quality assurance for the fund's loan disbursements.
• AFM (Autoriteit Financiële Markten)coreOthersAFM serves as the supervisory authority for compliance with accessibility laws. The fund follows WCAG 2.1 Level A and AA guidelines for digital accessibility and is working toward full compliance with the European Accessibility Act (EAA) by end of 2026.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Rabobank: Major Dutch retail and mortgage bank offering standard renovation mortgages and energy-efficiency loans to Dutch homeowners — the market-conforming financing alternative the FDF specifically targets those who cannot access.
• ING: Large Dutch universal bank providing mortgage products including renovation financing. Overlaps with FDF's homeowner lending category as a broad incumbent offering.
• Hypotrust: Dutch specialized mortgage provider offering residential mortgages, including renovation financing, to Dutch consumers through intermediary channels.
• Obvion: Dutch mortgage specialist (joint venture of Rabobank) focused on residential mortgages and related homeowner lending products in the Netherlands.
• ABN AMRO: Major Dutch bank with a sizable mortgage portfolio and sustainability-linked renovation loan products, competing for the same Dutch homeowner lending demand as FDF.
• Florius: Dutch mortgage provider (part of Achmea) offering residential mortgages and renovation loans to Dutch consumers via intermediary distribution.

Emerging players

• Moneyou: Online-only Dutch mortgage and consumer lender (part of ING) focused on streamlined digital mortgage and personal loan products for Dutch consumers, including homeowners seeking finance for renovation.

Direct peers

• Stichting Stimuleringsfonds Volkshuisvesting Nederlandse gemeenten (SVn): Dutch public housing foundation that manages and executes FDF and similar municipal/national housing-related loan funds. Directly operates the FDF product and comparable renovation/sustainability loan programs for Dutch homeowners.
• Nationaal Warmtefonds: Dutch government-backed fund that provides subsidized loans to homeowners for home energy and sustainability upgrades. Same public-fund model, same Dutch homeowner target market, same execution partner (SVn), and a closely analogous mission-driven lending structure.

Others

• Stichting Waarborgfonds Eigen Woningen (NHG): Dutch National Mortgage Guarantee foundation. While not a direct lender, NHG integrates with FDF loan applications for borrowers using NHG-guaranteed mortgages, making it an enabling/adjacent participant in the FDF ecosystem.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/fonds-duurzaam-funderingsherstel

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Fonds Duurzaam Funderingsherstel