Toni van der Flier
Toni van der Flier has been advising clients on Dutch mortgages for 10 years, including the last 6 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.
Certificates & specialties
Some mortgage applications are straightforward. Others require an advisor who understands which lenders are the right fit for your situation. Toni specialises in helping clients navigate more complex mortgage scenarios, where experience and lender knowledge can make all the difference.
Toni holds the following certificates:
Wft Basis
Wft Hypothecair Krediet
Wft Vermogen
SEH Certified Financial Advisor
Permanent Education (PE) Certified
Toni specialises in:
Mortgages for self-employed professionals and BV owners, non-EU nationals, and new-build properties with construction deposits.
Mortgage situations Toni often handles
From first-time buyers with different residence statuses, to mortgages for new-build projects, to situations such as divorce or mortgages for self-employed clients — Toni advises across the full range.
Self-employed & BV owners
Non-EU nationals
New-build & construction deposit
Case study
Sanne and Tom had been living in their own apartment in Amsterdam for six years when they signed for a new-build home in Almere.
The completion date was eighteen months away. The part that worried them was the middle. Their apartment wouldn't sell until the new house was ready, which meant carrying two mortgage payments at the same time — plus the staged payments to the builder as construction progressed. On paper the new mortgage was affordable. What they couldn't work out was whether they could survive the overlap without running their savings dry. They also weren't sure whether to sell first and rent for a year, or hold on and risk the market moving against them.
1. Mapped the full timeline
Toni set out every payment month by month, from signing to handover: the instalments to the builder, the interest on the construction deposit, and the point at which both mortgages would run at the same time.
2. Calculated the real overlap cost
The construction deposit earns interest that offsets part of the payments, and they would only pay interest on the portion drawn down so far. The actual overlap was far smaller than they had assumed.
3. Arranged a bridging loan
This released equity from the apartment before it was sold, so the overlap was covered without touching their savings.
4. Chose the sale timing deliberately
With the numbers clear, they decided to sell close to completion rather than a year early, avoiding a year of rent and a second move.
5. Fixed the rate at the right moment
Toni compared lenders based on how long they would hold a rate offer, which matters more with a new-build property than with an existing home because of the longer lead time.
What clients say about Toni
Real reviews from people he has helped find the right mortgage.
Blog articles written by Toni
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.