The Credit Vehicle

The best returns on investment in Dutch residential mortgages

CREDIVE offers investors the most efficient mortgage platform to invest in Dutch residential mortgages at an optimal risk/return ratio

The Credit Vehicle

The best returns on investment in Dutch residential mortgages

CREDIVE offers investors the most efficient mortgage platform to invest in Dutch residential mortgages at an optimal risk/return ratio

Unique opportunity for investors with appetite for Dutch mortgages

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.

Bank mortgage finance is stagnating

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.

Asset managers are looking for alternative investments

This offers opportunities for new players who may not be subject to this regulation. For example, pension funds, insurers and other international asset managers, including private equity/hedge funds. 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!

The desire to own one’s home is strong

Dutch consumers 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 has recovered and is growing further.

The Credit Vehicle

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.

For all aspects of the mortgage business

CREDIVE has the knowledge, experience and partnerships in all masterservicing aspects of the mortgage business, from raising capital, investment structuring and risk management, to developing, marketing and administering mortgage products.

By experienced mortgage experts

We can offer this because we have more than 30 years’ experience in the mortgage market at managerial and operational level. With banks, non-bank lenders, mortgage advise organisations and loan servicing companies. We have demonstrably earned our spurs in this market.

ESG: Socially responsible and correct

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 ESG -social responsibility, correct business conduct and care for the environment- is our other motivation. This can be seen from our product propositions, fee structure and other business expenses. Not only today, but also when we grow further. We have of course obtained all the necessary licences.

No-Nonsense Efficiency

Partly due to our socially responsible and lean & mean 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.


CREDIVE is happy to discuss your specific investment preferences and requirements and the options that we can offer you.


CREDIVE is a so-called masterservicing platform with its own formal mortgage provider (the so-called Lender of Record) Credo Hypotheken B.V.

The CREDIVE platform and its mortgage lender Credo Hypotheken have obtained the necessary licences from the Dutch regulator AFM (Financial Markets Authority). Furthermore, CREDIVE operates in full compliance with the Code of Conduct and with all applicable laws and regulations.

Within this supervisory framework, CREDIVE have managed to develop a unique mortgage proposition with several innovative and distinctive product features; USPs that are new to the market and that provide clear benefits for both mortgage customers and investors.

CREDIVE was founded by Albert Trox and Frans de Kievit, who over time have managed to attract the best and most experienced specialists from the field for every core discipline required for a first-class mortgage platform. All in all, a highly experienced management team has now been appointed, consisting of 8 skilled professionals with an extensive track record gained at various leading financial institutions.

The lean & mean CREDIVE company operates on the basis of a so-called ‘outsourced business model’ in which specialists have been engaged for several sub-processes, such as for its loan administration and trust services. For the advice on mortgage propositions, CREDIVE has entered into relationships with the 5 leading intermediary distribution organizations in the Dutch market, which have been connected to the CREDIVE platform yet.

Based on the above strategy and the choices made, CREDIVE offers the most attractive opportunities to invest in Dutch mortgages to interested investors, both from home and from abroad. To this end, CREDIVE has set up very efficient and proven investment structuring models on the basis of which investments are facilitated in both ‘whole loans’ and in an RMBS/securitisation.

CREDIVE is happy to discuss your specific investment wishes and requirements and the options we can offer you.