Bart Kooijman

Bart Kooijman has more than 13 years of experience in financial services, with a career spanning customer service, financial advice, mortgage applications, and mortgage advisory. He has been part of the OHAO team since 2021 and is based in Amersfoort, helping both Dutch and international clients navigate the Dutch mortgage process.

Clients at OHAO describe Bart as calm, clear and well organised. They appreciate the time he takes to understand their situation, patiently answer their questions and keep them informed throughout the mortgage process. Whether they are buying their first home or navigating a more complex financial situation, his clear advice and personal approach help them feel confident and supported when making one of life’s biggest financial decisions.

13+ years in financial services

Dutch and English

1,600+ mortgages arranged

5.0

159 Google Reviews

Certificates & specialties

Bart holds certificates:

Wft Basis
Wft Vermogen
Wft Hypothecair Krediet
WFT Inkomen.

Bart helps clients arrange mortgages when buying their first or second home or going through a divorce. He also advises freelancers (ZZP) and BV owners, and helps homeowners refinance or increase their mortgage to fund renovations.

What clients say about Bart

Real reviews from people he has helped find the right mortgage.

5/5 based on 192 reviews

Very satisfied with my experience with OHAO. From the very first conversation with Toni van der Flier, everything was explained clearly, and I felt well guided throughout the entire mortgage process. Communication was pleasant and straightforward, questions were answered quickly, and I always knew where things stood. During Toni’s absence, Bart Kooijman took over my case, and that transition also went very smoothly. I’m very happy with the support I received from both Toni and Bart, and I would definitely recommend OHAO to colleagues, friends, and family.

remi autar

31-08-2026

I would like to express my appreciation for the excellent service I received from OHAO during my renovation mortgage application. This was the second time I used OHAO’s advisory services for a mortgage application. The process was quite challenging, and it is difficult to fully describe the complexity of the application in a review. However, thanks to the expertise, dedication, and professionalism of my advisor, Bart, I was able to successfully obtain the mortgage. In fact, the outcome exceeded my expectations. I am extremely grateful for the guidance and support provided throughout the entire process. Millions of thanks to Bart and the OHAO team for the outstanding service and commitment to their customers.

mehdi khamseh

31-07-2026

Blog articles written by Bart

Practical articles and guides to help expats understand how mortgages work in the Netherlands, explore their options, and make confident decisions about buying a home.

Holiday allowance, bonuses, and salary components in your Dutch mortgage

Bidding without a financing clause in the Netherlands

Do you need a Dutch bank account to get a mortgage in the Netherlands?

Meet the OHAO team

✓ 10+ years’ experience working with expats ✓ Independent advisors with access to 40+ lenders ✓ Guidance in English from start to finish.

Bart Kooijman

Mortgage Advisor

Toni van der Flier

Mortgage Advisor

Luc Zwaan

Mortgage Advisor

Robin Uijtdehaage

Mortgage Advisor