We dare you to solve the accessibility of the housing market in the Netherlands!

The last couple of years the Netherlands has seen a steady decline in the availability and affordability of houses. When it comes to affordability the Netherlands has a strict regime to base the mortgage on structural income (ie. Permanent contract). Through a financial advisor, buyers only apply to one or two mortgage providers.

The accessibility of mortgages needs a turnaround in our opinion. You can currently apply to a single provider and hope to get (1) accepted and (2) a good deal. This way, we have a closed market and rarely see an offering that is truly catered to the individual applicant and his/her situation.

We think that by turning this around, in a marketplace concept, many more applicants can find a provider that suits their needs. On top of that, mortgage providers have an opportunity to truly differentiate in their marketing and product offering.

To implement this marketplace concept, we need your help! Of course, we may encounter hurdles along the way and we need to negotiate and consult with experts, stakeholders and organisations, but we do not shy away from a challenge.

The assignment is to analyse the current situation from multiple viewpoints (business, economical, societal, juridical) and to propose both a solution and a change plan for all parties involved. In this project you will work together with financial institutions, supervisors and public institutes.

We are Davinci Consulting. We work on (societal) problems, to big for single entities to solve alone. In the past we’ve successfully setup (public-private) cooperation’s in the real estate, mortgage sector and more recently amongst parties involved in the settlement of an inheritance.

Davinci has been involved in IT developments in and around the notarial profession for more than 15 years. With the Royal Notarial Professional Organization (KNB) as our client, our activities are aimed at organizing business processes for notary offices and chain partners as optimally as possible by using new centralized ICT solutions. Driven by legislation and society, this enables civil-law notaries to offer certainty in digital legal transactions by securely exchanging data and documents digitally with consumers and chain partners.

We bring public and private organizations together to find and provide solutions to (societal) problems that can’t be solved alone. With roots in the finance industry, we’ve tackled several life events like starting a business, buying a house or the passing of a loved one – and work with all relevant stakeholders to solve (societal) problems like transparency of processes, access to data and accessibility of the housing market.
We develop concepts, perform research, setup collaborations and are architects of the solution.