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

Jaap van Raak
Michel van der Sluis
Simon Collingridge
Aad Jansen

Senior consultant

Peter Wormskamp
Peter Wormskamp

Associate Partner

Willemijn van den Berg


Frans Blok


Bernadette Schaap – den Heijer

Office manager

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

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…

ECB: The state of the housing market in the euro area – conclusions

Introduction The housing market has important macroeconomic and macroprudential implications for the euro area economy. In view of the duration of the ongoing upturn in euro area house prices and residential investment, which started at the end of 2013, analysing the state of the housing market is particularly informative. This article discusses the ongoing housing…

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…

At our annual Fortrum drinks, senior managers and directors of the mortgage market come together. This year we had the pleasure of hosting our Dutch and International clients and relations at Fortres Vechten. A big thanks to all the participants.

Next up.... it's @Fortrum_michel giving us the perspective of the Dutch Mortgage Market!

It is an honour to be on the podcast of @TheLMExperience and share what is happening in the Dutch mortgage market and what we have learned from for example the ban of provision.

The ECB published The state of the housing market in the euro area.

FORTRUM Director Jaap van Raak spreekt op het Later Life Lending congres in Londen. Mooi om inzichten tussen de NL en UK markt te delen.