Nationale HypotheekPas

Name

Nationale HypotheekPas

Legal name

NHP

Website

https://nhp.nl

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Mortgage Advisory

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC)

akta.pro secondary industry

Home Equity & HELOC Intermediaries (FSALABAE)

Keywords

• Mortgage advisory services
• Financial advisory services
• Remote brokerage
• Consumer lending advice
• Insurance advisory

Headquarters

HQ city

Waddinxveen

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Services: NHP generates revenue through providing financial advisory services, primarily focused on mortgages. The company charges fixed, low fees for its services, positioning itself as an affordable alternative to traditional advisory firms. Services include mortgage advice, mortgage applications, pension advice, life insurance, and other financial products.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Nationale HypotheekPas provides remote mortgage brokerage and financial advisory services to Dutch consumers, including full mortgage advice, mortgage applications, and a specialized urgent mortgage (spoedhypotheek) that can be completed within 48 hours. The company also offers bank savings, pension and lijfrente (annuity) planning, life risk insurance, home insurance packages, and real estate brokerage services (purchase, sale, and bidding assistance), all delivered remotely via telephone, chat, email, and online appointments at fixed low fees.

Product overview

Nationale HypotheekPas (NHP) operates as a remote financial advisory services company offering a portfolio of interconnected financial products. The core offering centers on mortgage advisory services (Hypotheekadvies), supplemented by a specialized Urgent Mortgage (Spoedhypotheek) product for time-sensitive cases. Additional services include bank savings (Banksparen) for Gouden Handdruk and pension/lijfrente products, life risk insurance (Overlijdensrisicoverzekering), and property/insurance offerings for consumers and businesses. The company positions its remote service model as enabling low fixed pricing while maintaining quality advisory services.

Differentiator

Problem solved

Functional benefit

Products and services

• Hypotheekadvies (Mortgage Advisory) Financial advisory service for finding the most suitable mortgage, including information, comparisons, and full mortgage application support for Dutch consumers.
• Spoedhypotheek (Urgent Mortgage) Specialized expedited mortgage service that can complete full mortgage arrangements within 48 hours for urgent situations, targeted at Dutch consumers needing fast financing.
• Banksparen Bank savings product for building wealth, including Gouden Handdruk and Pensioen & Lijfrente options, offered to Dutch consumers seeking tax-advantaged savings.
• Pensioen en Lijfrente Pension and annuity advisory and product services for retirement planning and wealth accumulation, targeted at Dutch consumers.
• Overlijdensrisicoverzekering (Life Risk Insurance) Life risk insurance advisory services, including reviews of existing policies to identify potential cost reductions, for Dutch consumers.
• Verzekeringen (Home Insurance) Home insurance products including woonhuisverzekering (homeowners insurance), inboedelverzekering (contents insurance), and pakketverzekering (package insurance) for consumers and ZZP/business packages.
• Makelaardij (Real Estate Brokerage) Real estate services including property purchase assistance (aankoopbegeleiding), bidding with certainty (bieden met zekerheid), and sale assistance (verkoopbegeleiding) for Dutch consumers.

Quantifiable outcome

• Emergency mortgages can be processed within 48 hours

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• De Hypotheker: Largest Dutch mortgage advisory chain with a national franchise network. Directly comparable as a consumer-facing mortgage broker serving Dutch homebuyers and refinancers across the same product categories as NHP.
• Van Bruggen Adviesgroep: Dutch mortgage and financial advisory chain offering mortgages, insurance, and pension advice through local advisors. Comparable to NHP's multi-product advisory model for Dutch consumers.
• Findio: Dutch online mortgage broker that matches consumers with lender offerings. Comparable to NHP as a digital-first mortgage intermediary focused on the Dutch consumer market.
• Hypotheek Visie (HVC300): Major Dutch mortgage brokerage with regional advisors and online tools. Comparable to NHP as a consumer-focused mortgage intermediary providing advisory, application support, and cross-product financial advice.
• Dittmer & Smit (D&S Groep): Dutch mortgage advisory firm providing mortgage, insurance, and financial planning services. Directly comparable as a Dutch independent financial advisor focused on mortgage origination and cross-sell products.

Emerging players

• Independer.nl: Dutch comparison platform for mortgages, insurance, and financial products. Comparable to NHP as it helps Dutch consumers compare and select financial products, though it operates as a digital marketplace rather than human advisory.

Broad incumbents

• ING Nederland: Large Dutch bank offering mortgages, insurance, and pension products alongside its own advisory services. Comparable as a full-stack competitor to NHP's bundled mortgage and insurance advisory offering.
• Rabobank: Major Dutch bank with extensive mortgage origination and in-house advisory capabilities. Comparable as a competing distribution channel for Dutch mortgage and insurance products, though it also funds and holds loans.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/nationale-hypotheekpas

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 Nationale HypotheekPas