CREDIVE bridges the gap between non-bank investment capital and Dutch mortgages. As mortgage coordinators, we organise everything necessary to bring the demand for funding for Dutch mortgages and the supply of national and international non-bank capital together.
On the one hand, global asset managers get access to the attractive asset class of Dutch mortgages. On the other, this ensures that there will be sufficient sustainable funding for the domestic demand for mortgage loans.
Dutch consumers still want to own their own homes. In most cases, they need a mortgage for this. The demand for mortgages is still there, and is now actually increasing as the economy recovers.
The problem is that those wishing to purchase their own homes are finding it more difficult to obtain a mortgage. European regulation has been tightened as a result of the banking crises. As a result, the banks are less willing or less able to provide mortgages so readily. Consumer credit at the same time is not an attractive option for this purpose.
This offers opportunities for new players who are not subject to this regulation. For example, pension funds, insurers and other international asset managers, including private equity. As a result of low to even negative yields on government bonds, they are looking for alternative asset classes in which to invest. Dutch mortgages are attractive in this context, since most Dutch consumers have an excellent record when it comes to meeting their mortgage payment obligations. For asset managers therefore, investing in Dutch residential mortgages offers a relatively good return with low risk!
Most asset managers are however not familiar with the mortgage market, and have no interest in getting involved in mortgage-related processes, let alone mortgage marketing. This is where CREDIVE comes in.
CREDIVE has the knowledge, experience and partnerships in all aspects of the mortgage business, from raising capital to developing, marketing and administering mortgage products.
Our service offering is composed of modules. This means that in each situation and at any time we can offer the parts of the mortgage business for which there is a need, namely:
|1||Product Development & Management|
|2||Arranging Servicer (Definition study)|
|3||Arranging Label (Business Links to HDN, BKR, NHG, etc.)|
|4||Marketing & Distribution|
|6||Service management (incl. SLA-OLA-management)|
|7||Primary servicing (from basic tot 'portfolio management')|
|10||Tooling (website, portal, DWH, BI, etc.)|
|11||Cash management / Finance & Accounting|
|12||Designing Fund(s) & Governance|
|13||Compliance framework (RMP's)|
|14||Lender of Record|
|15||Risk management (Financial Risk / Non Financial Risk)|
|16||Interest Rate Setting|
|19||Consultancy (incl. benchmarking, market analysis, etc.)|
We can offer this because we have more than 30 years’ experience in the mortgage market at managerial and operational level. We have demonstrably earned our spurs in this market.
CREDIVE strives to contribute to a sound and sustainable sector, by fulfilling its mission: helping people to realise their residential aspirations with responsible finance. Obviously, we see profitable opportunities. But social responsibility and correct business conduct is our other motivation. This can be seen from our fee structure and other business expenses such as premises (with a conscious choice for Amersfoort) and transport. Not only today, but also when we grow further.
We have of course obtained all the necessary licences.
Partly due to our socially responsible and correct business conduct, we are able to keep costs as low as possible. Indeed, we look for ways to reduce your costs even further on a daily basis. This results in mortgage investment opportunities for the lowest possible number of basis points.
Want to know if CREDIVE can help you? We will be pleased to make an appointment to discuss your wishes and possibilities in more detail. So don’t wait, just get in touch!