Mortgage products
Support annuity, linear and interest-only mortgages, including Dutch interest deduction rules.
Mortgage platform that speaks Dutch
Built for the Dutch mortgage ecosystem, with HDN, NHG, BKR and Kadaster integrated into the platform as standard.
Native Connectivity
Built for the Dutch mortgage ecosystem
The platform connects natively with the institutions, standards and services that underpin Dutch mortgage lending, reducing integration complexity and manual workarounds.
Native Dutch mortgage support
HDN
Direct connectivity to the Dutch mortgage industry’s shared communication network.
- HDN node registration and message routing
- Connectivity with HDN intermediary and front-office systems
- Transformation between Ohpen and HDN data models
NHG
Integrated support for NHG validation and registration throughout the mortgage journey.
- Automated completeness checks
- NHG registration and certificate management
- Support for applications, increases and contract changes
BKR credit checks
Integrated BKR checks verify applicant credit information throughout the mortgage journey.
- Automated CKI checks at key decision stages
- Up-to-date credit information for decisioning
- Configurable lender-specific verification rules
- Comparison of declared loans with BKR records
Kadaster & KvK checks
Integrated registry checks verify property and business information throughout the mortgage journey.
- Kadaster property and address verification
- KvK checks for businesses and self-employed applicants
- Energy label data for product eligibility
Domain Knowledge
Designed for Dutch lending complexity
Support Dutch mortgage products, contract changes and lending rules through capabilities built around local requirements.
Contract changes
Manage increases, conversions, mortgage portability and early repayments.
Lending rules
Configure Dutch lending rules, including TRHK standards, LTV limits and exceptions.
Compliance by design
Built-in controls and capabilities support regulatory requirements across Dutch mortgage operations.
AML requirements
GDPR and AVG-aligned data controls
DORA-aligned operational resilience
NHG and HDN certificate management
Client Success
Proven on the Dutch market
Financial institutions rely on Ohpen to support their mortgage operations.
“Successfully migrating and onboarding a €1.8 billion portfolio in such a short timeframe is a remarkable achievement and a testament to the dedication, expertise and collaborative spirit of everyone involved.”
1.8€bn
Buy-to-Let mortgage portfolio migrated
3months
From agreement to completed migration
100%
Portfolio successfully migrated and onboarded
Platform Benefits
What this delivers
Native connectivity with Dutch mortgage infrastructure
Automated processing across key market services
Support for Dutch mortgage products and contract changes
Lending logic aligned with Dutch regulatory requirements
Cloud-native, API-first origination and servicing
See Ohpen in Action
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Build the products your customers cannot get elsewhere.
A flexible, proven end-to-end platform and a team that has done it before. Book a personalised walkthrough and see Ohpen handle your product line live.