OHAO

What OHAO does

OHAO is an independent online mortgage advisory firm operating in the Netherlands under the legal entity Finsider BV, headquartered at Prinsengracht 679H in Amsterdam. The company guides both Dutch residents and international expats through mortgage selection and application, comparing offerings from a panel of 40+ lenders that includes major Dutch banks (ING, Rabobank, ABN AMRO), insurer-backed lenders (Nationale Nederlanden, A.S.R., Florius), pension funds, and expat-friendly lenders (Obvion, NIBC, Lloyds Bank). Its primary differentiation is specialized expertise with expat-specific scenarios — the 30% ruling, foreign income documentation, ZZP and BV/DGA income structures — built over more than a decade, alongside an English-language service line at ohao.nl/expats.

The underlying platform pairs human advisory with a suite of free online tools: maximum-mortgage, monthly-payment, transfer tax (2026), NHG eligibility, and savings-required calculators, plus a bidding certificate (Financieringsverklaring) product. The customer management workflow runs through an internal client portal at ohao.klantcloud.nl for document handling and communication. The technology stack is essentially a marketing/content site plus a transactional client portal; there is no disclosed AI/ML component, API surface, or proprietary model — the calculators implement published Dutch lending norms rather than algorithmic differentiation.

OHAO monetizes through fixed, transparent, one-time advisory fees that are tax-deductible in the Netherlands: from €2,495 for first-time buyer engagements and from €2,795 for refinancing. Distribution is direct-to-consumer (web leads, free orientation calls, SEO/content marketing) and complemented by referral partnerships with real estate agents, appraisers, notaries, and tax advisors. The firm carries no disclosed external funding, no parent company, and no M&A activity; it operates as an independent, privately held advisory with a small visible bench of named advisors (Bart, Robin, Toni, Luc).

Name

OHAO

Legal name

Finsider BV

Website

https://ohao.nl

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

OHAO is an independent Dutch mortgage advisory firm that compares 40+ lenders for Dutch residents and expats, with specialized expertise in 30%-ruling, foreign-income, and self-employed scenarios, charging fixed fees from €2,495 per engagement.

Ownership category

akta.pro rank

Product category

Mortgage Advisory Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

akta.pro secondary industry

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Mortgage advisory services
• Independent mortgage broker
• Expat mortgage services
• Mortgage refinancing
• Dutch mortgage advice

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Advisory Fees: OHAO charges fixed, transparent advisory fees for complete mortgage advice services. First-time homebuyers pay a flat fee starting from €2,495, while refinancing clients pay starting from €2,795. These fees are tax-deductible in the Netherlands.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels5 records

Core offering

OHAO operates as an independent online mortgage advisory service in the Netherlands comparing 40+ mortgage lenders (including major Dutch banks, pension funds, insurers, and expat-friendly lenders) to identify the best mortgage for individual clients. The firm provides personalized guidance from initial eligibility assessment and lender comparison through bidding certificate issuance, mortgage application management, and final approval, with specialized expertise serving expats, first-time buyers, self-employed individuals, property investors, and business owners across the Netherlands.

Product overview

OHAO is an independent online mortgage advisory service in the Netherlands serving both Dutch clients and expats. The core offering consists of mortgage advisory services backed by an online calculator suite (maximum mortgage, monthly payments, transfer tax, NHG eligibility, and savings calculators) and access to 40+ mortgage lenders including major Dutch banks, pension funds, and insurers. Additional modules include bidding certificates, expat-specific services with English support, first-time buyer programs, refinancing, new construction mortgages, rental/investment mortgages, mortgage increases for renovations, bridging loans, divorce-related mortgages, and sustainable/green mortgage options for energy-efficient properties.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Advisory Services Independent mortgage advisory service that compares 40+ lenders to find the best mortgage for clients, providing personalized guidance from application to key handover.
• Expat Mortgage Services Specialized mortgage advisory service for expats, with English support, expertise in the 30% ruling, foreign income assessment, and freelance income structures.
• First-Time Buyer Mortgage Mortgage solutions for first-time homebuyers including NHG options and first-time buyer transfer tax exemptions up to €555,000. Fixed advisory fee starting from €2,495.
• Refinancing (Hypotheek Oversluiten) Mortgage refinancing services to help clients find better interest rates and lower monthly payments with 40+ lender options. Fixed advisory fee starting from €2,795.
• New Construction Mortgage (Nieuwbouw hypotheek) Tailored mortgage solutions for new-build properties with expertise in construction deposits and new-build specific requirements.
• Rental/Investment Mortgage (Beleggingshypotheek) Mortgage solutions for investment properties and rental purposes, including buy-to-let mortgages in Dutch real estate, subject to 8% transfer tax for investment properties.
• Mortgage Increase (Hypotheek verhogen) Services to increase existing mortgages for renovations, energy-efficient improvements, or other major expenses.
• Divorce Mortgage Services Mortgage advisory services for individuals going through divorce, including help with separating existing mortgages.
• Sustainable/Green Mortgage Mortgage solutions for energy-efficient homes with discounted interest rates and extra borrowing capacity for sustainability improvements.
• Bridging Loan Short-term financing solution for buyers purchasing a new home before selling their current property.

Quantifiable outcome

• Advisory fee tax deduction recovery of up to 37.48%
• +1 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Major Dutch Banks (ING, Rabobank, ABN AMRO)coreChannel Partner/ Reseller/ DistributorOHAO works with major Dutch banks as mortgage distribution partners. These banks provide mortgage products that OHAO advisors offer to their clients, comparing rates and terms across these institutions to find the best fit.
• Insurer-backed Lenders (Nationale Nederlanden, A.S.R., Florius)coreChannel Partner/ Reseller/ DistributorOHAO provides access to mortgage products from insurance company-backed lenders, which often offer competitive rates and products not available through traditional bank channels.
• Expat-Friendly Lenders (Obvion, NIBC, Lloyds Bank)coreChannel Partner/ Reseller/ DistributorOHAO works with lenders specialized in serving expat clients, including those that accept foreign income, offer English documentation, and process expat applications efficiently.
• Trusted Professional Network (Real Estate Agents, Appraisers, Notaries, Tax Partners)minorStrategic or Co-development PartnerOHAO maintains a network of trusted real estate agents, appraisers, notaries, and tax advisors to which they refer clients. These professionals are experienced in working with expats and collaborate to provide comprehensive home-buying support.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Florius: Florius is a major Dutch mortgage lender (part of Rabobank) whose products OHAO distributes. Comparable as a counterparty in the Dutch mortgage market and as a competitor for direct mortgage origination.
• Moneyou: Moneyou is a Dutch online direct lender (part of Achmea) offering mortgages and savings products. Comparable to OHAO as one of the lenders in OHAO's 40+ panel and as a digital-first alternative to broker distribution.
• Munt Hypotheken: Munt Hypotheken is a Dutch online direct mortgage lender offering mortgages through both its own channel and via intermediaries. Comparable to OHAO as one of the alternative lenders in the panel that OHAO brokers into, serving a similar Dutch mortgage customer base.

Broad incumbents

• ING Bank (Netherlands): ING is one of the largest Dutch banks offering mortgages directly to consumers. Comparable to OHAO as both a distribution partner (lender in OHAO's panel) and a broad incumbent competitor for direct mortgage origination in the Netherlands.
• Rabobank: Rabobank is a major Dutch retail bank offering mortgages directly and through brokers. Comparable to OHAO as a top-three Dutch mortgage lender in OHAO's 40+ lender network and a broad incumbent competitor.
• ABN AMRO: ABN AMRO is a major Dutch bank offering mortgages directly and via intermediaries. Comparable to OHAO as a large incumbent lender in OHAO's panel and a direct competitor for retail mortgage customers.

Direct peers

• Viisi Hypotheken: Viisi is an independent Dutch mortgage advisory firm specializing in expats and internationals, offering advice across multiple lenders. Direct competitor to OHAO in the English-language expat mortgage niche in the Netherlands.
• Hypotheek Visie: Hypotheek Visie is a nationwide Dutch independent mortgage broker franchise offering advice across a panel of lenders. Comparable to OHAO as an independent intermediary aggregating lender options for homebuyers and refinancers.
• Hypotheek.nl: Hypotheek.nl is an online Dutch mortgage comparison and advisory platform that helps consumers compare lenders and apply for mortgages. Directly comparable to OHAO on the digital self-service plus human advisory model.
• De Hypotheker: De Hypotheker is one of the largest independent mortgage broker chains in the Netherlands, comparing products across many lenders for retail and first-time buyers. Closely comparable to OHAO in the independent advisory-with-multiple-lenders model, though with a broader retail focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ohao

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 OHAO