MUNT Hypotheken

Written by: Joost van Herpen

Reviewed by: Roel Wonders

Written on: 4 juli 2024
Dutch version MUNT Hypotheken was founded in 2014 and is growing rapidly.

The mortgage provider who wants to do things differently. MUNT Hypotheken is a flexible mortgage provider that requests fewer documents. It was the first mortgage provider to make it possible to repay from your own money without penalty.

MUNT offers competitive mortgage rates. They also work with daily interest.

I am a Certified Mortgage Planner and have a lot of experience with MUNT. I know all the pros and cons from the conditions. Wondering whether MUNT Hypotheken is the best provider for you? Then schedule a free meeting with me..


• Works with daily interest
• For mortgages without NHG, the result-related bonus counts towards the maximum mortgage
• For mortgages without NHG, rental income can be included for the maximum mortgage
• Options for prefab wooden houses, timber frame construction or cross-laminated timber, built after 2012
• Good conditions for mortgages in combination with family loan
• Count PGB income as income if the care recipient is not a family member
• Use an affordable desktop valuation


• €500 closing costs for a bridging mortgage
• Possible grant costs for extending the mortgage offer
• An income statement from Raadhuys or Business Income is mandatory for entrepreneurs

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 MUNT Hypotheken

MUNT Hypotheken was founded in 2014 by experienced bankers Jeroen van Hessen and Jeroen Looman.

MUNT is a fast-growing mortgage provider, owned by DMFCO Asset Management (DMFCO).

This mortgage provider employs approximately 20 specialists. The mortgages are offered through independent mortgage advisors, including myself.

What are the funding sources for MUNT Hypotheken?

MUNT is a so-called “directing party”. The money that this mortgage provider lends comes from pension funds and institutional investors.

In 2023, MUNT entered into a partnership with Achmea Bank. The money that is lent for the shorter term – i.e. with a fixed interest rate period of 5 and 10 years – comes from Achmea Bank’s savings.

Mortgage interest from MUNT Hypotheken

MUNT Hypotheken is particularly advantageous for the longer fixed interest periods of 20 and 30 years. This is because the money comes from pension funds, which like to lend their money for the longer term.

Since mid-2023, MUNT Hypotheken has also been advantageous for the shorter fixed-rate periods of 5 and 10 years. This is because MUNT has entered into a partnership with Achmea Bank. This allows the mortgage provider to lend savings for the shorter term.

MUNT is often cheap for mortgages without NHG. The interest rates for mortgages with NHG are less competitive. For mortgages with NHG, MUNT is generally not in the top 10 of lowest mortgage rates.

Curious about MUNT’s current mortgage interest rate? Then compare all interest rates now:

Is MUNT Hypotheken reliable?

MUNT Hypotheken has been around for about 10 years now. The bank has built up a reputation among mortgage advisors as a provider with good conditions, competitive interest rates and a clear application process.

In 2023, a partnership was entered into with Achmea Bank. Achmea is one of the largest financial service providers in the Netherlands. The fact that Achmea is entering into a partnership with MUNT Hypotheken says something positive about the reliability of this mortgage provider.

Director Menno Luiten regularly speaks out against dependent advice from banks and prefers to see independent mortgage advice from real advisors. In this way, MUNT Hypotheken shows that they care about the interests of people who need a mortgage.

What is my experience with MUNT Hypotheken?

I have had good experiences with MUNT Hypotheken. The bank wanted to do things differently, for example with clear conditions and a smooth application process.

I notice that applying for a mortgage is easy. They request as few documents as possible, which makes applying for a mortgage easier. They try to process requests within 48 hours and I notice in practice that this almost always works.

They not only have clear conditions and an easy application process, but also a low interest rate.

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

Below are all the pros and cons:


  • MUNT Hypotheken works according to the daily interest principle. This means that MUNT checks whether the interest rate has decreased on the date of the mortgage deed. You will then receive the lowest interest rate from the mortgage offer and the interest rate offered on the due date.
  • At MUNT Hypotheken you can include a business result-related bonus that you receive through your employer as income for mortgage applications without a National Mortgage Guarantee.
  • You can include income from rentals as income for a mortgage application without a National Mortgage Guarantee.
  • You can finance a prefab wooden house, a timber frame house or cross laminated timber (CLT) houses with a concrete foundation and built after 2012 at MUNT.
  • Are you taking out a family loan in addition to the mortgage with MUNT? Then at MUNT you can disregard the costs if the annual costs are repaid through a (determined) annual donation.
  • You can include income from the Personal Budget as income for the mortgage application, but the person receiving care may not be family.
  • You can use a Desktop Valuation for a mortgage application at MUNT. This is a cheaper alternative to an extensive valuation report.



  • To take out a bridging mortgage, you pay one-off closing costs of €500 at MUNT.
  • If you want to extend the validity of the mortgage offer, you may pay extension costs.
  • Are you an entrepreneur and do you want to take out a mortgage with MUNT? Then you are obliged to have an Income Statement for entrepreneurs drawn up by Raadhuys or Zakelijk Inkomen.


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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