Custom mortgage portals that digitise the entire process, from intake and customer profile through to approval, e-signing and deed execution. With HDN messages, BKR/UWV/Calcasa integrations and an audit trail that holds up under AFM supervision.
A mortgage file touches ten to fifteen parties: the adviser, the lender, the valuer, the notary, BKR, UWV, the Tax Authority, the Land Registry, NHG, any service provider such as Stater or Quion, and, last but not least, the customer. Each party has its own formats, deadlines and compliance requirements. A good portal ties that world together and gives both the customer and the adviser one clear overview, without anyone having to switch between four different portals to move a file forward.
Since 2015 we have been building custom software for financial service providers: banks, intermediaries, insurers and fintechs. We do not replace Adviesbox, eAdviseur, Figlo or AOV-online where they are sufficient: for the standard advice calculation and basic HDN exchange, those packages are continuously maintained to keep up with changing laws and regulations. We only build when your flow is more specific than a standard package can handle: a custom acceptance engine with rules you want to manage yourself, a white-label customer portal for sister firms, back-office automation between HDN and your core system, or a mortgage-as-a-service layer that you offer to third parties as a proposition. For the wider financial sector we see the same pattern with custom insurance software: standard packages cover the middle of the market, while custom software covers the edges where your firm stands out and where your competitive advantage lies.
Mortgage advisers licensed by the AFM, mortgage lenders, service providers, civil-law notaries handling the deed stage, and consumers with an existing mortgage each need a different side of the same portal. Advisers want efficiency in the client-profile flow, lenders want automated acceptance, providers want scalable processing, notaries want a handover instead of copy-and-paste, and clients mainly want to know where their application stands. We design these portals in layers, so the same data layer serves all these stakeholders without us having to build five separate systems.
Depending on your role in the chain — licensed adviser, lender or service provider — a portal looks fundamentally different. We advise which type fits during the first conversation.
A complete digital client journey: intake with DigiD or iDIN, income validation via UWV enquiry, client-profile questions for suitable advice, case building with a document vault, advice drafting and mortgage application submission via HDN. The client sees real-time status, upload actions and e-signing in their own environment, while the adviser has a deeper workspace on the same data layer, with client profile, case history, valuation status and HDN exchange on one screen.
For lenders and service providers processing mortgage files: parsing inbound HDN messages, OCR on payslips, annual statements and employment contracts, a rules engine for income checks, BKR checks, LTV and LTI tests and NHG criteria, and orchestration of valuation requests via Calcasa, NWWI or iValid. An acceptance workbench puts only the genuine exceptions on your desk and passes routine files automatically on to the lender or service provider, with explanation logging for every decision so that external review is always reproducible.
A mortgage platform you roll out as a white-label to sister firms, intermediaries or fintech partners. Multi-tenant architecture, per-tenant branding, separate acceptance rules per label and an API layer for PSPs or digital challengers who want to offer mortgage flows without building the system themselves. Rules and HDN versions are managed centrally, client interaction is handled per label, so the holding keeps oversight and each label keeps its own brand. We see this model growing as fintechs want to add a mortgage layer to their existing financial proposition without Stater- or Quion-scale volume requirements.
A production-ready mortgage portal, plus everything around it needed to run it yourself and to explain it to supervisors.
Adviesbox, eAdviseur and Figlo cover the standard flow very well. We build when you run into one of these patterns — or a combination of them.
Acceptance staff cut and paste between Adviesbox, a lender portal, the BKR portal and an Excel file of income rules. An acceptance engine can let 60 to 80 per cent of files pass through unseen and only refer the exceptions for review.
In an AFM investigation you must be able to show, per file, which questions were asked, which documents were reviewed and how the advice was reached. A custom client-profile flow with an audit trail produces that evidence automatically — often combined with a proper KYC and AML compliance layer for Wwft obligations around identification and the source of funds.
What works for one label does not scale to three or five labels within the same holding company. White-label multi-tenancy with central rules management and separate branding per label then becomes unavoidable, the same architecture we describe under custom enterprise software.
The paperwork surrounding a mortgage is impenetrable for consumers. A dedicated client portal with status tracking, structured document uploads and e-signing shortens turnaround times and reduces the call volume at your office.
A full portal can do a great deal, but rarely is everything needed at once. Together we decide which modules are in scope and the order in which we roll them out — usually we start with the two modules that most affect your turnaround times or compliance risk.
DigiD or iDIN identification, automatic income checks via UWV with authorisation, a client-profile questionnaire, an advice engine that incorporates the IDD criteria for mortgages with protection cover, and a file vault in which payslips, annual tax statements, BKR reports and valuation reports arrive in a structured way. Every question, answer and document receives a timestamp and a user, so the Wft duty of care is evidenced in the file as well as on paper.
A rules engine that executes your acceptance policy: income checks per lender, BKR checks, LTV and LTI limits, NHG criteria and exception rules per label. Files that fall within all the rules proceed without human intervention; files that reach a threshold appear on the acceptance workbench with the exact reason why. Every rule is version-controlled and execution is reproducible — useful during an audit.
The chain integrations that connect the portal with the rest of the Netherlands: HDN message flow to providers, valuation requests via Calcasa, NWWI or iValid with automatic status tracking, e-signing of the quote and advice agreement via DocuSign or AdobeSign, and notary handover via a KIK or CDR integration. The chain runs without anyone having to forward a PDF by hand.
With OneDayBuild, we turn your idea into something tangible in one day for €1,150, so you can see whether further development is worth the investment. Decide to go ahead with the full build? Then we credit the full cost.
Explore OneDayBuild →The mortgage chain is subject to more regulatory frameworks than almost any other financial service. From sprint one, we build around those frameworks and deliver a compliance file that works hand in hand with your own compliance officer.
We map out your current mortgage flow, from first client contact to deed signing. Which packages do you use today, such as Adviesbox, eAdviseur, NN Apparent, Stater or Quion back office, and where is the pain that justifies custom development?
A workshop with your compliance officer, an underwriter and an adviser. At the end: a functional blueprint, a data flow diagram, a first DPIA and a sprint plan that starts with the most valuable piece, usually the acceptance engine or client onboarding.
Every two weeks, a working build tested against the HDN acceptance environment and with real BKR and UWV stub queries. Your team tests alongside us, with an underwriter and an adviser seeing what we deliver each sprint.
An external penetration test in the final sprint, delivery of the compliance file for the AFM, and a phased rollout: first one adviser or one label portal, then wider. With monitoring and a support team that keeps pace with new HDN versions and changing NHG guidelines.
What mortgage advisers, lenders and service providers ask before we start.
An introductory half-hour conversation, with no obligation. We listen to your current flow, probe the pain points and give direction you can act on — even if the outcome is that a standard package is sufficient.
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