Stichting Nationaal Hypotheek Label

Stichting Nationaal Hypotheek Label (NHL) is an independent, non-profit foundation established to make the Dutch mortgage market more transparent, efficient, and accessible. It achieves this by managing a central, standardized database of mortgage portfolio information. The foundation facilitates the secure exchange of data between mortgage lenders, investors, and other market participants, issuing "mortgage labels" that provide a clear and uniform overview of a mortgage's characteristics. This standardization helps in risk assessment, portfolio management, and securitization processes, ultimately aiming to lower costs for consumers and increase liquidity in the market.