Trust in every mortgage file
You need to know for certain who your client is, and a mortgage offer needs a signature that holds up. That is why your client identifies with us at eIDAS level high and signs with a qualified signature, both remotely and without a passport copy.
No more passport copies in the file
AML client due diligence without physical verification
Identification reusable under Goed IDee
Binding offer signed with a qualified signature
What is your role in the chain?
Advisers and lenders both want certainty about the client and the signature, just at a different moment. Choose your situation below.
“With this new market standard we can speed up the mortgage process by up to five days.”
Client due diligence without a passport copy
Identification happens at home, with our app on the client's own phone and at eIDAS level high. This lets you meet your AML client due diligence without physical verification, and the lender can build on the same identification further along the chain. Your client then does not have to do it again.
Consent that travels with the file
While identifying, your client gives consent to share their identity and data with the parties working on their mortgage, for a specific purpose. This way a source data provider such as Ockto can retrieve income, pension and debts directly from the source, and your client no longer has to scan or upload anything.
Legally valid signing, also during the advice process
Your client places a qualified signature, legally equivalent to a signature on paper and linked to the identity we established earlier. This works in the signing platform you already use, without printing or posting.
“Thanks to the Cleverbase integration, customers can sign documents quickly, securely and with legal validity, fully in line with the European eIDAS Regulation.”
Build on the identification from the chain
If the buyer was identified through us earlier in the process, the file reaches you through the HDN network without identity documents. You build on an identification at eIDAS level high, for your own AML client due diligence. So you do not need to request a second copy or check anything by hand.
The binding offer signed with a qualified signature
Your client signs the mortgage offer digitally with a qualified electronic signature, the only digital signature that is legally equivalent to a signature on paper. We safeguard the signature and the identity of the signer, so you know for certain who signed.
The market standard for the entire mortgage chain
Within Goed IDee, HDN's market standard, the home buyer identifies once digitally and the rest of the chain builds on that, up to and including the signature under the binding offer. That saves you requesting and checking copies, and with it time throughout the process. We provide the identification, the consent and the signature.
Source data, identity and signature in one process
Since September 2026 we have been working with Ockto. They retrieve income, pension and debts directly from bodies such as UWV and the Dutch Tax Administration, and we provide the identification, the consent and the qualified signature. Ockto offers our route as its preferred route, without ruling out other solutions, so you decide when to switch.
Ready for the future
The rules for digital identification and signing will change over the coming years. This is what is coming your way and how we are already set up for it.
Revised eIDAS Regulation
The revised eIDAS Regulation sets new requirements for digital identification and for the consent your client gives to share their data. We are a qualified trust service provider under eIDAS and identify at eIDAS level high, the highest level the regulation recognises.
iDIN is being phased out
Anyone who now identifies clients with iDIN, through the bank, has to find an alternative that is affordable and privacy-friendly. With us your client identifies at eIDAS level high on their own phone, usable through Ockto and within Goed IDee.
New anti-money laundering rules (AMLR)
From 10 July 2027 the European anti-money laundering regulation applies directly in the Netherlands, with new requirements for client due diligence, identification and identity verification. With identification at eIDAS level high and additional evidence for your audit on request, you are prepared for it.
European identity wallet
Soon your client will show their identity and data from a European identity wallet on their phone, including for a mortgage. We are helping to build this in the Netherlands, and through us your organisation connects to it without requesting more data than necessary.
We make trust services easy
Clients register once online and then identify or sign from their own phone, without a card reader, token or appointment at the office.
One-time online registration, within 10 minutes
Then you can easily sign and identify
Trust services at low rates
Qualified trust services do not have to be expensive. With us you know where you stand and you pay low rates.
Identification and signing in one
Your client identifies with you at a high assurance level and signs their mortgage documents with a qualified signature, from their own phone. This way you arrange client due diligence and signature in one service, without a passport copy and without an appointment at the office.
per person
per year
excl. VAT1
Qualified signing
Have your client sign their mortgage documents with a qualified signature in the signing platform you already use, or sign yourself in your personal capacity.
per person, per year, excl. VAT1
Client identification
Identify and verify clients for your AML client due diligence, without a passport copy and with additional evidence for your audit on request.
per person, per year, excl. VAT1
1Excluding platform costs
Signing in your current software package
See which signing platforms we work with. Is your software included? Then you can get started right away.
Tailored identification solutions
Clients identify themselves remotely at a high assurance level, fitting within your AML client due diligence. We are happy to help you with an integration that fits the way you work, through our API, through Ockto or within Goed IDee.
Need custom work or advice?
Do you have questions, or are you running into something that is just a little different? We are happy to think along with you. Send us a message and we will contact you soon.