Het Hypotheekhuis

What Het Hypotheekhuis does

Het Hypotheekhuis B.V. is an independent, owner-operated mortgage advisory and brokerage firm registered in the Netherlands (KVK 74851306, AFM 12046723, KIFID 300.017385), with offices in Velp and Arnhem. The firm provides advice and intermediation across more than 40 mortgage lenders and a broad set of insurance products (building, contents, liability, disability, life, travel, auto, motorcycle), targeting use-case segments including first-time buyers, home movers, ZZP self-employed, renovation, sustainability upgrades, divorce, and bereavement situations. Revenue is generated primarily through lender commissions on completed mortgages, supplemented by advisory fees that are only charged once a mortgage offer is issued (no-win, no-fee), plus cross-sell commissions on insurance products.

The core technical stack is non-proprietary: standard industry mortgage-calculation and rate-comparison tools run against lender feeds, exposed publicly through a set of self-service web calculators (maximum mortgage, life-insurance premium, daily-updated interest rate overview) that act as lead-generation assets. There is no API, mobile application, proprietary model, or AI/ML component disclosed.

Go-to-market is advice-led and regional, combining physical office consultations in Gelderland with remote channels (phone, WhatsApp, email, contact form) and a co-located strategic partnership with NVM real estate broker Willemsen Makelaars, which provides integrated property search, valuation, and mortgage-financing services from the same premises. Distribution is concentrated in the Arnhem/Velp corridor and supported by NH1816 directory listings and visible lender-logo credibility on the company's homepage. The team is small (three named staff: founder/owner Joost van der Velde, advisor Ruziye G\u00fczel-Eroglu, and commercial inside-sales lead Janine Noy), with no disclosed headcount growth, external funding rounds, or institutional ownership.

Name

Het Hypotheekhuis

Legal name

Het Hypotheekhuis B.V.

Website

https://hethypotheekhuis.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Het Hypotheekhuis is an independent Dutch mortgage advisory and insurance brokerage serving individuals and self-employed clients in the Gelderland region through offices in Velp and Arnhem, comparing more than 40 lenders on a no-win, no-fee basis.

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), Mortgage Bankers & Loan Correspondents (6162), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Home Equity & HELOC Intermediaries (FSALABAE)

akta.pro secondary industries

First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG), Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM)

Keywords

• Mortgage advisory services
• Mortgage brokerage
• Independent mortgage advice
• Insurance intermediation
• Home financing advisory

Headquarters

HQ city

Velp

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Advisory and Intermediation: The company provides independent mortgage advisory services and intermediation between customers and over 40 mortgage lenders. Revenue is generated through commissions paid by lenders when mortgages are completed, as well as advisory fees charged to customers. A distinctive model is that advisory costs are only charged when a mortgage offer is made - all prior consultation is free of charge.
2. Insurance Intermediation: The company also provides advisory and intermediation services for insurance products including property insurance, life insurance, liability insurance, disability insurance, and travel insurance.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Het Hypotheekhuis is an independent mortgage advisory and brokerage firm that compares mortgage offerings from over 40 Dutch lenders to find suitable financing for individual consumers across use cases such as first-time purchase, moving home, renovation, sustainability upgrades, self-employment, divorce, and bereavement. In addition to mortgage intermediation, the firm advises on and intermediates property, contents, life, disability, liability, travel, and motor insurance products, supported by free initial orientation consultations and a no-fee-until-mortgage-offer pricing model.

Product overview

Het Hypotheekhuis operates as an independent mortgage advisory and brokerage firm with two offices in Arnhem and Velp, Netherlands. The core offering consists of mortgage advisory services comparing over 40 lenders, complemented by insurance brokerage across multiple product lines. The product portfolio includes mortgage types (annuity, linear, interest-only, equity release, rental, renovation, and sustainability mortgages), insurance products (life, building, contents, liability, disability, travel, auto, motorcycle), and digital calculation tools (maximum mortgage, insurance premium, interest rate comparison). A strategic partnership with in-house Willemsen Makelaars (NVM-certified real estate broker) enables comprehensive one-stop service for homebuyers and homeowners.

Differentiator

Problem solved

Functional benefit

Products and services

• Hypotheek Advies en Bemiddeling (Mortgage Advisory and Brokerage) Independent mortgage advisory and brokerage service comparing offerings from over 40 Dutch lenders (including ABN AMRO, Rabobank, ING, Florius, NIBC, Aegon, ASR, Allianz, Obvion, Lloyds, Merius and others) to find the optimal mortgage across annuity, linear, interest-only, equity release, rental, renovation and sustainability structures, plus Nationale Hypotheek Garantie (NHG) guidance. Targeted at first-time buyers, home movers, self-employed borrowers, renovators, sustainability-upgrade clients, and individuals in divorce or bereavement situations.
• Verzekeringen Advies en Bemiddeling (Insurance Advisory and Brokerage) Insurance advisory and intermediation covering property (opstal), contents (inboedel), liability (aansprakelijkheid), disability (arbeidsongeschiktheid), life (overlijdensrisico), travel, auto and motorcycle insurance. Provides risk-coverage advice for mortgage holders and broader household protection.

Quantifiable outcome

• Compare over 40 lenders to find optimal mortgage solution
• +1 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Willemsen MakelaarscoreStrategic or Co-development PartnerNVM real estate broker located in the same premises as Het Hypotheekhuis offices. Enables integrated property buying and mortgage services with short communication lines. The close partnership allows complete customer service from property search through mortgage financing.
• ABN AMROminorChannel Partner/ Reseller/ DistributorMajor Dutch bank offering mortgage products. Listed among 40+ lenders that Het Hypotheekhuis compares for customers.
• RabobankminorChannel Partner/ Reseller/ DistributorLarge Dutch cooperative bank and mortgage lender. Listed among 40+ lenders that Het Hypotheekhuis compares for customers.
• ING BankminorChannel Partner/ Reseller/ DistributorMajor Dutch bank providing mortgage products. Listed among lenders compared by Het Hypotheekhuis.
• Nationale Hypotheek Garantie (NHG)coreOthersGovernment-backed warranty scheme covering mortgages up to €405,000 (2023). Het Hypotheekhuis advises customers on NHG eligibility and includes it in their service offerings. Provides risk protection and interest rate discounts for eligible customers.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Market position

Strengths4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/hethypotheekhuis

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Het Hypotheekhuis