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Credive Mortgage Management

The solid platform to invest in Dutch residential mortgages and the only real independent link between investment capital and Dutch mortgages.

Credive with its own consumer mortgage label (and fully licensed Lender of Record), Credo Hypotheken, is bridging the gap between investment capital and Dutch mortgages. Based upon extensive experience the Credive initiators, supported by a highly motivated team, have built a professional masterservicing platform. As most modern masterservicer, Credive organises everything necessary to bring the demand for funding for Dutch mortgages and the supply of national and international investment 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 challenge is that the number of those wishing to purchase their own home is increasing while they are finding it more difficult to obtain a mortgage. European regulation has been tightened. As a result, the banks prove less willing or less able to provide mortgages so readily.

Asset managers are looking for alternative investments

This offers opportunities for new players who are not subject to this regulation, or to a lesser extent. For example, pension funds, insurers, foreign banks and other international asset managers, including private equity. 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! Credive offers multiple sophisticated investment models to do so; structured on-balance or off-balance (by RMBS).

For all aspects of the mortgage business

Credive has the knowledge, experience and partnerships in all aspects of the mortgage business, from raising capital to developing, marketing, distribution and servicing of mortgage products. Next to a solid and state-of-the-art risk management policy, Credive is strongly focussed on service management. The platform is marketing its Credo mortgage propositions through an intermediary distribution model; Credive has connected 5 distribution channels offering direct access to highly impressive production volumes.

Socially responsible and correct

Credive contributes to a more sound and sustainable sector, by fulfilling its mission: helping people to realise their residential aspirations with responsible lending. Obviously, we see profitable opportunities. But social responsibility and correct business conduct is our other motivation. This can be seen from e.g. our fee structure and other business expenses. Not only today, but also when we grow further.

For any further information please contact Mr. Albert Trox or Mr. Frans de Kievit, both Managing Partner at Credive (see www.credive.nl or www.credive.com).

Credive Mortgage Management

Business Center Leusden (BCL), 2nd floor

Fokkerstraat 12

NL-3833 LD Leusden

The Netherlands

T.: +31 (0)6-22455450

E.: albert.trox@credive.nl

W. www.credive.nl/www.credive.com