Sustainability in Dutch residential mortgages

Our vision

DMFCO is deeply concerned about climate change and the potential negative environmental impact of its operations and residential mortgage investments. Therefore, we are committed to working towards carbon neutrality in our business and residential mortgage portfolio by reducing carbon emissions.

DMFCO is particularly conscious of the social responsibility of the financial sector. Therefore, we believe that we have a moral obligation to offer residential mortgage products that are tailored to the borrower's profile and needs, while also providing special servicing and actively preventing over-lending. This responsibility is particularly evident when borrowers are in (financial) difficulty and , as a result, in a vulnerable position.

DMFCO carefully balances the interests of all stakeholders, with a particular focus on investors and borrowers. We recognise that appropriate governance arrangements and a transparent and equitable remuneration policy for our staff are key elements in achieving this balance.


Our ambition

We believe that improvement begins with us. That’s why we are committed to achieving carbon neutrality of our business and residential mortgage portfolio.

Our focus extends beyond sustainability. As a mortgage lender, we believe in being there for our borrowers in both good times and bad. This is why we offer tailored solutions to support customers in challenging situations and strive to provide proactive and personalised special servicing.

Transparency is also an important factor for us. We provide investors with comprehensive reporting to offer insight into ESG (Environmental, Social, and Governance) risks, including climate-related risks, associated with their portfolio of Dutch residential mortgages. This includes reporting on carbon emissions, energy efficiency financing, and flood risk.


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