BijBouwe mortgage

Written by: Joost van Herpen

Reviewed by: Roel Wonders

Written on: 1 juli 2024
Dutch version bijBouwe is part of Dynamic Credit, an asset manager for pension funds, banks, insurers and institutional investors. BijBouwe's mortgages have a competitive interest rate for the medium and long-term fixed interest periods with NHG.

Below I will tell you more about this mortgage provider. Curious whether bijBouwe has the best interest rate and conditions for you? Then schedule a free meeting with me..


• The mortgage offer is valid for 4 months and can be extended for another 2 months free of charge
• You only pay cancellation costs after the validity period has been extended
• Family loan with annual donation of the costs, then the costs do not count
• Add rental income to income for a mortgage with NHG
• Mortgage possible for solid wooden house with concrete foundation from 2013
• With a new mortgage with NHG: use surplus value for consumer expenses


• No opportunities for catering entrepreneurs
• No options for BKR registration
• Not possible to combine fixed interest periods

Curious about your maximum mortgage? Wondering if this or one of the other 37 mortgage providers has the best rates and terms for you? Schedule a free consultation with me..

Joost en Roel huis

Joost van Herpen & Roel Wonders EHP

About bijBouwe

bijBouwe was founded in 2015 and is part of Dynamic Credit, an asset manager founded by a number of former bankers.

Dynamic Credit has existed since 2003 and initially brought American money to the Netherlands. This money was then used for mortgages from a number of Hypotrust labels.

It was then decided to set up its own mortgage label. This label, bijBouwe (by Bouwe) is named after one of the founders of bijBouwe, Bouwe Kuik. Initially, BijBouwe wanted to offer the mortgages directly without the intervention of an advisor. Because this was not a success, the mortgages are now offered through independent mortgage advisors.

Since 2022, BNP Paribas, a major French bank, has owned the majority of the shares of Dynamic Credit and bijBouwe.

What are the funding sources for BijBouwe?

bijBouwe is a so-called ‘directing party’. This means that they are not a bank themselves but lend money from others.

Parties that lend money in the form of mortgages through bijBouwe are pension funds, insurers or international investment companies.

Mortgage interest from bijBouwe

bijBouwe, Attens, Centraal Beheer en Lot

The mortgage interest rate of this provider is especially low with a medium-term fixed interest rate period of 10 years and with a long fixed interest rate period of 20 and 30 years. This does concern mortgages with NHG.

BijBouwe is not interesting for other fixed interest periods.

Curious about the current interest rates? View the interest rates now and compare them with the interest rates of all other providers:

Is bijBouwe reliable?

It is not an established name, but the provider has been around for almost 10 years. Dynamic Credit has been around for about 20 years. This says something about the stability of this provider.

In addition, the lender was founded by experienced bankers and BNP Paribas has owned the majority of the shares since 2022. BNP Paribas is a large French bank, whose history dates back to 1848.

What is my experience with bijBouwe?

BijBouwe’s mortgages have clear conditions. The provider has a number of unique, positive features. For example, it is possible to add rental income to income. This is an advantage for people who have rental income, because it allows them to obtain a higher maximum mortgage.

However, it is not possible to combine different fixed-interest periods and I find that a disadvantage. In addition, they do not offer a mortgage for all fixed-rate periods, because they do not have the money available for that. For these reasons, I take out fewer mortgages with this lender.

If this mortgage provider is not the best for you? Then one of the 37 other providers might be better Schedule a free consultation with me to find out.

Extensive pros and cons

The advantages and disadvantages are described in detail below:


  • The validity period of the 4-month mortgage offer can be extended by 2 months free of charge. You only pay cancellation costs after the validity period has been extended.
  • Have you taken out a loan from your family? Then the costs of the loan are not included in the mortgage application if the costs are donated back annually.
  • If you take out a mortgage without a National Mortgage Guarantee (NHG), you can include rental income as income for your mortgage application.
  • You can apply for a mortgage for a solid wooden house with a concrete foundation if this house was built after 2013.
  • You may spend your surplus value for consumer purposes. This is only possible if you take out a new mortgage without a National Mortgage Guarantee (NHG).



  • A catering entrepreneur cannot take out a BijBouwe mortgage.
  • You can choose 1 fixed interest period for your mortgage application. If you want to combine fixed-interest periods, this is not possible.
  • You cannot take out a mortgage if you have a BKR registration.


We do our best to keep the conditions up to date, but mortgage providers may change their conditions. Schedule a free consultation with me so that we can discuss the most current conditions and pros and cons.

Roel Wonders Review
Roel Wonders

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