Deep local knowledge, extensive expertise and international experience

With our extensive expertise and decades of experience, we provide our clients with value added consultation and advice to support their operational and strategic goals. We ensure that we fully understand our client’s needs to deliver bespoke services that truly meet those needs.Read More »

Risk solutions
A full suite of services and solutions to meet your needs

Applying our expertise in risk, credit ratings, structuring and insurance, we can implement solutions to reduce the credit risk of the lender or end investor, improve the efficiency of portfolio sales, optimise the capital treatment of asset exposure or enhance the economics of securitisation structures.Read More »

Due Diligence
A loan portfolio is usually your biggest asset, but also your greatest risk.

Effective due diligence and surveillance are key to the successful sale & acquisition of asset portfolios and the oversight of ongoing origination and servicing. At Fortrum we recognise the importance to our clients of balancing rigorous analysis and expert advice with cost efficiency.Read More »

Regulated entity 

Fortrum is the only Due Diligence firm in Europe with an AFM License for mediation. This means we are the only independent firm with specific Dutch residential mortgage expertise and the authority to review or indeed apply credit decisions before the offer is issued. This will provide investors more control and effective oversight than the current limitation to post offer checking.

Industries we cover
Consumer credit
Credit cards
Private lease
Our clients are
International institutional investors
Insurance companies

“They helped us to estimate the impact of the implementation of the MCD. Immediately after our first conversation it was clear that their knowledge and skills would help us to make the right decisions. We thoroughly enjoyed working with this team and it made us hungry for more.”

Eric Kok
Manager Productmanagement

“During the brainstorming and design phase of the MCD project at SNS Bank, the team established themselves as open and reliable partners as well as flexible thinkers. In addition to this, they have a broad knowledge of banking, are persuasive and are a valuable resource to have at your side!”

Jeroen van Bockhoven
Senior Productmanager Mortgages

“Their experience and knowledge ensured a quick, solid and good solution of the challenges encountered. Their commitment to the organization and high quality standards makes them a reliable and enthusiastic team that I like to recommend.”

Eric Janssen
Director Products & ABN AMRO Mortgages


You can rely on our years of experience

We protect your interest.

We have in-depth knowledge of the market

Great advice

We bring the highest levels of expertise to the market

Michel van der Sluis

Director Consultancy NL office

Tony Ward

Director Consultancy UK office

Jaap van Raak

Director Due Diligence & Risk solutions NL office

Simon Collingridge

Director Due Diligence & Risk solutions UK office

Tony Ward

Director Consultancy UK office

Michel van der Sluis

Director Consultancy NL office

Aad Jansen

Senior consultant

Peter Wormskamp
Peter Wormskamp

Associate Partner

Simon Collingridge

Director Due Diligence & Risk solutions UK office

Jaap van Raak

Director Due Diligence & Risk solutions NL office

Frans Blok


Willemijn van den Berg


Michiel Meijer
Joost Melis
Jan van Baars

Get in touch

Need to talk to us? Here is all our contact information. Give us a call, drop us an email or send us a Tweet

Experts warn more lenders could exit the market

More lenders could exit the market within the next 12 months, experts have warned. Tony Ward, chief executive of Home Funding and director of Fortrum and Robert Sinclair, chief executive of the Association of Mortgage Intermediaries, both agreed this is likely to happen due to how competitive the industry is. They were speaking at the…

Mortgage funding: the outlook for the wholesale markets

Tony Ward, director at Fortrum wrote an article for the Mortgage Finance Gazette about the UK mortgage market. He believes the market has reached its peak and is now in decline with more lenders chasing less business. The wholesale funding markets have opened up but caution is in the air. Read the article below, or…

Consumers are making wrong decisions in comparing Annual Expense Ratios when comparing mortgages online

There are big differences in the way mortgage lenders display the Annual Expense Ratio on their website. This causes difficulties for consumers in making a good comparison while they are comparing providers of mortgages online. The Annual Expense Ratio (AER) is actually meant to give more insight into the total costs of a mortgage. The…

“The mortgage market is in long-term decline”

In a sobering presentation at the Mortgage Conference, Tony Ward, director at due diligence consultancy Fortrum, explained the risks and structural challenges lenders now face in the UK mortgage market. I was fortunate enough to be asked to speak at the Lending Summit last month about the mortgage market – where we are and where…

Hypotheekindustrie ligt onder een vergrootglas

Fortrum artikel in Infinance: In een snel veranderend speelveld wordt het voor hypotheekverstrekkers steeds belangrijker om een nieuw type Control Framework in te richten dat vroegtijdig risico’s signaleert, zodat deze proactief opgelost kunnen worden.

Consumenten maken verkeerde keuzes door het vergelijken van JKP‘s bij het online oriënteren op een hypotheek

Er zijn grote verschillen in de wijze waarop hypotheekverstrekkers omgaan met het tonen en berekenen van het Jaarlijks Kostenpercentage (JKP) op hun website. Hierdoor kunnen consumenten onmogelijk een goede vergelijking maken als zij zich online oriënteren op aanbieders van hypotheken. Dit terwijl het JKP juist bedoeld is om vergelijkbaarheid te stimuleren. De oorzaak? Grijze gebieden…

Peter Wormskamp nieuwe associate partner Fortrum

Gisteren is aangekondigd dat The Dutch Mortgage Consultants (TDMC) verder gaat als Fortrum. Het bedrijf dat door Michel van der Sluis en Jaap van Raak enkele jaren geleden als TDMC is opgestart beleeft een voorspoedige groei. Michel van der Sluis: “we gaan verder onder de naam Fortrum. Een goede naam die zowel onze activiteiten in…

TDMC gaat verder onder de naam Fortrum en verstevigt hiermee haar internationale positie

In mei dit jaar is Fortrum opgericht als een joint venture met onze UK business partners. De activiteiten zijn gericht op Due Diligence en Risk Solutions. De consultancy activiteiten werden tot nu toe uitgevoerd onder The Dutch Mortgage Consultants (TDMC). Vanaf 14 november worden de Nederlandse en Engelse Consultancy activiteiten aan Fortrum toegevoegd, zodat er…

Helemaal eens met Ellen @KopMunt. Het nog sneller doorontwikkelen van modelmatige taxaties is de beste oplossing. Tegelijkertijd moeten we werken aan het vertrouwen dat riskmanagers van financiers hebben in het alleen gebruiken van deze data.

Mooi initiatief van @KopMunt om de verschillen in de woningmarkt per provincie zo in kaart te brengen. Wellicht volgende keer ook nog iets opnemen over bijvoorbeeld de gemiddelde hypotheek bij nieuwe verstrekking en in beheer?

Goede analyse van @ABNAMROeconomen. En eens met de @DNB_NL dat het verstandig is als het Nibud de rekenregels aanpast om te voorkomen dat consumenten vanaf volgend jaar wel tot 10% meer kunnen lenen. Dat is onverantwoord en verhoogt onnodig de systeemrisico's.

The Fortrum Dutch Mortgage Dashboard is now available - July 2019.

Fortrum Director Tony Ward: more lenders could exit the UK mortgage market within the next 12 months. #lenders #uk #mortgagemarket