Independence Statement
Complete transparency about how we operate, who pays us, and how we ensure our advice serves your interests—not ours.
Our Core Commitment
We provide advice based solely on what's best for your situation. Our recommendations are driven by your financial goals, risk tolerance, and circumstances—never by which option pays us more.
How We're Compensated
Transparency about money is fundamental to trust. Here's exactly how we earn income:
Advisory Fees (Primary)
You pay us directly for our advice. This fee is agreed upfront and does not change based on which mortgage product you choose. Our fee is the same whether you get a mortgage from Bank A, Bank B, or decide not to proceed at all.
Bank Commissions (Disclosed)
Some banks pay advisors a commission for mortgages placed. We disclose any such commissions to you in writing. Importantly, if we receive commission, it's deducted from our advisory fee—you never pay twice.
Our Bank Relationships
We Work With All Major Dutch Lenders
We have access to mortgages from all major Dutch banks and mortgage providers. We are not employed by, owned by, or exclusively contracted to any single lender.
Plus 20+ additional lenders and special programs.
Content Independence
Our educational content—calculators, guides, and articles—is created to inform, not to steer you toward any particular product or action.
We Do
- • Present all options, including those that don't involve our services
- • Explain when you might NOT need a mortgage advisor
- • Cite official sources and maintain editorial standards
- • Update content when regulations change
- • Clearly separate educational content from marketing
We Don't
- • Accept payment for favorable content
- • Let sponsors influence our recommendations
- • Hide unfavorable information about products we sell
- • Use fear tactics to pressure decisions
- • Make guarantees about approval or outcomes
Potential Conflicts of Interest
In the interest of full disclosure, here are scenarios where our interests could theoretically conflict with yours:
Commission Variation
Different lenders may pay different commission rates.
How we address this: Commission is offset against your fee. We document our recommendation rationale in writing for every client.
Volume Incentives
Some lenders offer year-end bonuses for volume.
How we address this: We decline volume-based incentives that could influence individual client recommendations.
Business Efficiency
Some lenders are easier to work with than others.
How we address this: We'll tell you if a lender has service issues, but don't let our operational preference override your financial interest.
Regulatory Oversight
Our Registrations
- • AFM-registered financial advisor
- • Wft-certified advisors on staff
- • Professional liability insurance
- • KvK (Chamber of Commerce) registered
Complaint Handling
- • Internal complaint procedure
- • Kifid-affiliated for independent dispute resolution
- • Written response within 6 weeks
Our Promise
We exist to serve your interests. If you ever feel our advice doesn't reflect this commitment, we want to hear about it.