OHAO is an online mortgage advisory platform for the Dutch market that aggregates real‑time offers from over 40 lenders and matches them to a borrower’s financial profile. The service provides a ranked comparison dashboard, integrated calculators and end‑to‑end application support through a secure portal, with advisory fees starting at €2,495.
Funding
Funding not disclosed
Founders
Product
Problem
Consumers seeking a mortgage in the Netherlands must navigate a fragmented market of over 40 lenders, compare rates manually, and understand complex eligibility criteria, which makes the process time‑consuming and prone to sub‑optimal loan terms.
Solution
OHAO delivers an independent, online mortgage advisory platform that aggregates offers from more than 40 lenders and matches them to a borrower’s financial profile. Users start with a free, digital intake that captures income, savings, existing debts, and housing preferences. The platform then generates a ranked list of mortgage products, highlighting interest rates, NHG eligibility, and total cost of borrowing. Throughout the application, a dedicated advisor guides the client via a secure portal, handling document collection, lender communication, and offer negotiation. Integrated calculators (maximum loan, monthly payments, transfer tax, NHG limits) let users model scenarios instantly. The service is priced transparently, with advisory fees beginning at €2,495, and is available to both domestic buyers and expatriates.
Target Audience
The primary customers are first‑time homebuyers, existing homeowners looking to refinance or upgrade, new‑construction purchasers, and expatriates seeking Dutch mortgage financing.
Features
- Aggregation engine that pulls real‑time rates and terms from 40+ Dutch mortgage lenders for unbiased comparison
- Automated financial profiling tool that assesses income, debt, and savings to compute the maximum eligible loan amount
- Personalized product recommendation dashboard with side‑by‑side comparison of interest rates, amortization options, and NHG suitability
- End‑to‑end application support, including secure document upload, electronic submission to lenders, and status tracking
- Integrated mortgage calculators (monthly payment, transfer‑tax, NHG eligibility) for rapid scenario analysis
- Dedicated advisor chat and email channel within the platform for real‑time guidance and clarification
- Transparent fee structure with a fixed advisory charge starting at €2,495, disclosed before engagement
- Compliance‑ready data handling with encryption and role‑based access to meet Dutch privacy regulations