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 and helps clients with their mortgage applications throughout the Netherlands.

Our OHAO clients describe Toni as someone who makes the mortgage process clear and easy to understand. They appreciate the time he takes to explain their options, answer questions, and guide them through each step. Reviews highlight his honest advice and personal approach, helping clients feel supported and confident, even when their situation is more complex.

Advising since 2016

Dutch and English

1,400+ Mortgages arranged

5.0

159 Google Reviews

Toni van der Flier, mortgage advisor at OHAO

Certificates & specialties

Toni holds the following certificates:

Wft Basis
Wft Vermogen
Wft Hypothecair Krediet
Wft Inkomen
Wft Schade

Toni specialises in:

Toni specialises in mortgages for first-time buyers with different types of income, self-employed professionals, BV owners, and non-EU nationals. He also helps clients finance new-build properties with construction deposits (bouwdepots), offering clear guidance tailored to their situation.

What clients say about Toni

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

5/5 based on 192 reviews

A fantastic service from Toni and the whole team at OHAO. I would strongly recommend them. As first-time buyers, we had a lot of questions and a slightly complex mortgage application, but Toni guided us through the process brilliantly. Everything was communicated clearly and in a timely manner, and he was always quick to respond and happy to explain things. We were recommended OHAO by a colleague who had a great experience with them, and we’re very happy we followed their recommendation. Excellent service from start to finish!

Hasara Dinushika

07-09-2026

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

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.

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?

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

Robin Uijtdehaage

Mortgage Advisor

Luc Zwaan

Mortgage Advisor

Toni van der Flier

Mortgage Advisor