Modern apartments along a canal, featuring balconies and green trees in the foreground.

Invest in the Dutch Housing Market

The Dutch housing market is characterised by robust growth and stability, making Dutch residential mortgages an attractive investment medium for institutional investors seeking to diversify their investment portfolios.

At NIBC Bank, we offer tailored mortgage investment opportunities that align with your strategic goals while capitalising on the strength and resilience of the Dutch housing sector.

The Netherlands boasts a highly developed and stable economy, underpinned by a diverse industrial base and a high standard of living. As a result, the Dutch housing market benefits from strong economic fundamentals, including:

Steady GDP Growth: the Netherlands has demonstrated consistent GDP growth, contributing to a stable housing demand.

Low Unemployment Rates: with one of the lowest unemployment rates in Europe, the Dutch workforce remains robust and financially secure.

Strong performance: excellently performing mortgage market with low arrears and few defaults.
The Dutch population is characterised by favorable demographics that support sustained housing demand:

Population Growth: steady population growth combined with an increasing number of households continues to increase the need for housing.

Housing Shortage: due to a slowdown in construction in recent years, the demand for housing consistently outpaces supply, ensuring a persistently strong market in the medium term.
The Dutch mortgage market operates within a transparent and strongly regulated environment, offering protection and security to investors:

Strict Lending Standards: Dutch mortgage lenders, including NIBC Bank, adhere to stringent lending standards based on conservative affordability rules, resulting in high-quality mortgage loans.

Government Support: various government initiatives support homeownership and affordable housing, further stabilizing the market.
Residential mortgage loans form a sizeable asset class in the Netherlands, with a total outstanding amount of over EUR 840 billion. Investing in Dutch residential mortgage portfolios offers:

Solid Returns: benefit from competitive interest rates and stable returns over the long term.

Diversification: spread your investment risk across a broad portfolio of high-quality mortgages with custom characteristics.

Security: invest with confidence knowing that our mortgages are backed by stringent underwriting and regulatory compliance.

Long-Term Stability: legal maturity of 30 years provides stable and predictable returns.

Investment Opportunities with NIBC Bank

At NIBC Bank, we provide institutional investors with access to high-quality mortgage investment opportunities via our renowned Originate-to-Manage (‘OTM’) platform.

NIBC Bank is dedicated to sustainability and societal impact, embedding ESG principles in our strategy and operations. Our offering is designed to deliver attractive returns while managing risk effectively.

Our OTM platform allows institutional investors to invest in Dutch residential mortgages without the operational hassle associated with servicing mortgages or starting a mortgage label of your own. We offer forward flow arrangements, which allows you to invest in newly originated mortgages customised to your mandate.

We have close to 30 years of experience in the Dutch residential mortgage market and are active with two highly-valued brands: NIBC and Lot Hypotheken. We originated mortgages both for our own balance sheet as well as for our investors, like AXA IM. This combination offers:

Extensive Experience: NIBC’s long-standing and vast experience in the Dutch mortgage business combined with an excellent track record.
Full Alignment of Interest: Maximum alignment of interest with NIBC investing in identically originated mortgages for our own balance sheet.
Excellent reporting and transparency: Full transparency on cash flows and loan-by-loan reporting, as well as a tailored approach for each investor.
Unique Support: NIBC is able to help investors by offering balance sheet support, which is a unique feature in the Dutch originate-to-manage market.
Sustainability Reporting: We enable borrowers to improve the sustainability of their homes and report on metrics such as energy labels and metrics to allow investors to calculate portfolio emissions.