Toni van der Flier

Toni van der Flier has been advising clients on Dutch mortgages for more than 9 years, including the last 5 years at OHAO. Born and raised in Amsterdam, he now lives in Haarlem but helps clients with their mortgage applications throughout the Netherlands.

Toni believes that getting a mortgage should never feel confusing. He takes the time to explain every option clearly, answer every question, and guide clients through each step of the process. Whether a situation is straightforward or more complex, his goal is always the same: to provide honest advice, find the mortgage solution that best fits each client's circumstances, and give them the confidence to move forward with clarity.

Wft Mortgage certified
Dutch and English
9+ years of mortgage advisory experience

Certificates & specialties

Major life events often come with important mortgage decisions. Whether you're taking your first step onto the property ladder, buying a newly built home, or restructuring your mortgage after a divorce, Toni provides clear guidance, honest advice, and tailored solutions to help you make confident decisions.

Toni holds certificates:

  • Wft Basis

  • Wft Hypothecair Krediet

  • Wft Vermogen

  • SEH Certified Financial Advisor

  • Permanent Education (PE) Certified

Toni specialises in:

What clients say about Toni

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

Luc has been amazing at helping us navigate all the procedures regarding our mortgage. He is quick to respond and is always available over call. We had a great experience with him.

Balaaj

22-06-2026

Toni was happy to help us out quickly and was able to secure a good deal for us. He helped us out regurarly with a bunch of questions. - From a happy customer and a first time home owner.

Gedeon

13-03-2026

Our mortgage application was quite complex and Tony helped us through it very well. He gave brilliant advice that really saved our mortgage and enabled us to buy a home.

Abdullah H

26-02-2026

Luc was very informative, he made sure to explain everything I needed to know as a first time buyer. He made sure to be available for all my questions and inquiries. The process went very smoothly, and approval was quite quick.

Reem

23-06-2025

Bart is such a great mortgage advisor. He is reliable, knowledgeable and explains every details to me with great patience. It is a very smooth process to get 2 mortgage applications approved!

Melanie

19-06-2025

He helped us through the whole proccess, always helping us with our doubts and questions

F.N.S

15-06-2025

Blog articles written by Toni

Which Dutch mortgage lenders work with expats, and how to reach them?

How bid insurance works for homebuyers in the Netherlands

How much mortgage can I get alone vs. together in the Netherlands?

Can I increase mortgage in the Netherlands?