is the ultimate


Introduction optimaal management

Optimaal Management B.V. was founded in 2014. The main objective of Optimaal Management is to provide the Dutch mortgage market with sustainable new mortgage products. Due to the crisis, legislation and new laws in The Netherlands the landscape of mortgage lending has undergone significant changes the last five years.

Optimaal Management discovers new opportunities, creates realistic solutions and brings products to the market. In this process, Optimaal Management has eyes for all stakeholders involved.

  • Expertise on:
  • Structuring

  • Finance & control

  • Distribution

  • Servicing

  • Marketing & sales to consumers

  • Legal & compliance


Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form :(



  • Optimaal Management will act as “master manager” and wants to be the spider in the web in managing the whole process of mortgage offering, servicing and management.
    Key business values for Optimaal Management B.V. are:

  • Integrity and reliability

  • Transparent and controllable

Introduction optimaal management

In general Optimaal Management will take care of all activities relating to new business development and product management. As a turn key / modular solution depending on the needs of the investor and the distributor:

It is not the intention of Optimaal Management to perform all the aforementioned activities. Optimaal Management will seek the best quality parties available in the Dutch market. Our goal is to achieve the best possible pricing for all parties involved in the mortgage market through client based pricing.

who we are

Paul Wessels

Amongst others experience with:

  • Bringing a funder to the Dutch market, positioning, marketing, legal and operations

  • Operationalization of a mortgage platform for several funders

  • Mortgage servicing and distribution, product development and sales

Main achievements in this discipline:

  • Full operationalization of HQ Mortgages, in a partnership with BNP Paribas. Portfolio of 5 bln.

  • Operationalization of SpaarBeter Hypotheek,
    Winner of the award Mortgage Product of the Year 2009

  • Guidance to enter the mortgage market for several  (foreign) funders in the Dutch market

Pierre de Vos

Amongst others experience with:

  • Bringing foreign investors to the Dutch market

  • Treasury, Finance & Control at a medium sized Dutch Bank (residential mortgages and consumer credit)

  • Structuring and securitization

Main achievements in this discipline:

  • Introduction and implementation (project manager) of a funder

  • Warehousing and securitization: 7 securitizations of 1st and 2nd lien residential mortgages and consumer credit

  • Guidance to enter the mortgage market for several (foreign) funders  in the Dutch market


not about mills

in a nutshell...

As the Dutch housing market is showing the first signs of a gradual recovery, house sales are increasing. This also results in a growing demand for mortgages. Since mortgage lending and funding by domestic parties has been constrained, demand may exceed supply, offering opportunities for foreign investors. The Dutch mortgage market offers possibilities for foreign banks and investors to supply new mortgages directly to consumers, or to invest in mortgages through RMBS or covered bonds. The government promotes entry of new parties to the mortgage market, in order to increase competition and lower interest rates. Although LTV’s are relatively high, arrears and defaults on mortgage payments by borrowers are very low. Additionally, the government is taking a number of steps to curb high LTV’s, reduce credit risks for consumers and banks and increase transparency in the mortgage market.

As a result of recent legislation and further supervision, the Dutch mortgage market has solid fundamentals. The variety of products is reduced as a result of fiscal changes to annuity and linear mortgages. The repayment of the total mortgage debt is increasing as a result of temporary measurements implemented by the government. As a result of the lack of competition in the Dutch market, the interest rates are relatively high. Dutch banks have to de-risk as a result of Basel 3 and AQR, further legislation will influence the ratio’s for Dutch banks negatively. This will lead to less active competition and more room for foreign investors.

The Dutch economy is one of the most stable and open economies in Europe. An economy with one of the highest GDP’s per capita. Last year, the Netherlands exited its third recession since the global financial crisis started in 2008. Gross domestic product grew 0.7 percent in the fourth quarter, the most since 2010. Dutch GDP is expected to grow 0.75 percent in 2014 and 1.25 percent next year, driven by exports and investments, the government’s planning agency CPB said in March. It sees the national budget deficit at 2.9 percent of GDP this year, narrowing to 2.1 percent in 2015.


To increase transparency in the Dutch securitisation market, the Dutch Securitisation Association (“DSA”), aims to provide access to transaction information on all outstanding Dutch RMBS programs. For the transactions of the members of the DSA access to this information, such as investor reports, loan level data, prospectuses and other information (“RMBS Transaction Information”), can be obtained on their website.

For the transactions of other Dutch originators a link to the relevant website has been provided if available. Registration is free of charge. The terms and conditions of the User Agreement should however be agreed upon before an application can be submitted to DSA. RMBS Transaction Information provided on the DSA portal is intended for professional market parties and/or relevant stakeholders.