Asset Management Mortgages
Residential mortgage loans form a sizeable asset class in the Netherlands, with a total outstanding amount of roughly EUR 800bn. The Dutch mortgage market is highly regulated, characterized by standardized underwriting criteria and a good pay morale with strong historical performance. We offer investors who are searching for a sound investment with an interest fixed period that can vary up to 30 years the possibility to tab in. This is done via what we call our Originate-to-Manage Platform (forward flow arrangements), where NIBC offers institutional investors the opportunity to invest in Dutch residential mortgages without having to deal with the operational hassle associated with the servicing of mortgages.
Invest in the Dutch mortgage market
NIBC Bank N.V. was established in 1945 to help rebuild the Netherlands and is strongly rooted in its obligations towards society and the environment. Hence, ESG is embedded in our strategy and the way we do our mortgage business. Our mortgage offering enables borrowers/clients to improve the sustainability of their houses while we report to our investors on e.g. the energy labels. We have more than 20 years of experience in the Dutch residential mortgage market and are active with two brands: NIBC Direct and Lot Hypotheken. Part of the mortgage loans originated under both brands are for our own balance sheet and part is originated for our investors, like AXA IM.
This offers a tailored strategic approach to investors with the following combination of USP’s:
- NIBC is highly experienced in the Dutch mortgage business
- Maximum alignment of interest with NIBC which invests for its own book in identically originated mortgages
- Full transparency and tailored approach via NIBC’s Originate-to-Manage Platform
- NIBC is able to support the investor by offering balance sheet support