Bridging the Gap: Building Relationships, Financing Opportunities
Interview with David Foxwell, Co-CEO
As the Dutch real-estate market continues to evolve, RNHB B.V. is redefining its role within the sector. Headquartered in Utrecht, the Netherlands, the company has transformed from a specialist lender into an asset manager that originates, services and manages real-estate loans on behalf of investors. With deep roots in property finance and a core business centered around residential and commercial real estate, RNHB has its sights set on larger projects across the country. Led by Co-CEOs David Foxwell and Berny van der Torren, RNHB combines market expertise, technological innovation and a relationship-driven approach. The company develops flexible financing solutions for investors while supporting the delivery of much-needed housing across the Netherlands.
Hundreds of thousands of homes are needed across the Netherlands, while investment in residential real estate has become increasingly challenging. Regulatory changes, rising construction costs and limited building land continue to put pressure on the market. This is where RNHB comes in. Working with investors, developers and property owners, the company provides financing solutions that support residential projects and create new housing opportunities. “We want to help the market build more, finance more and create sustainable investment opportunities,” David Foxwell notes.
Building on transformation
The shift to an asset-management model marked a turning point in RNHB’s development. Rather than focusing solely on lending, the company now connects investors with opportunities across the Dutch real-estate market and supports a broader range of financing needs. The move has increased flexibility, broadened access to capital and created a strong foundation for future growth. “We are still serving the same market and targeting the same clients,” explains the Co-CEO. “What has changed is the way we operate, giving us greater access to capital and more flexibility to support different types of projects.”
Reaching new milestones
Growth has accompanied this strategic shift. In the coming months, RNHB expects to surpass EUR 10 billion in financing originated since the ownership change. The figure includes both new loans and portfolio acquisitions and underlines the company’s growing presence in the Dutch property market. At the same time, RNHB continues to expand its investor network and strengthen its position as a leading real-estate finance provider. “That is a milestone we expect to achieve very soon,” says the Co-CEO.
Supporting larger developments
While buy-to-let financing remains the core part of the business, RNHB is increasingly focusing on larger projects. The company sees significant opportunities in development finance, property conversions and the transformation of obsolete commercial buildings into residential units. A recent example is a EUR 74 million financing package for a major housing development. Such projects create opportunities for investors while helping to increase the supply of housing. “There is a clear need to broaden our horizons and move into larger loans,” the Co-CEO explains. “That is where we see substantial growth potential.”
Technology as an enabler
Like many industries, real-estate finance is being reshaped by digitalization and artificial intelligence. RNHB embraces these developments but remains pragmatic about their role. Technology helps streamline processes, accelerate documentation and reduce administrative work. The objective, however, is not to replace human expertise. “We are not going to hand everything over to AI,” David Foxwell emphasizes. “The goal is to give our people more time to think, to advise and to have meaningful conversations with clients.” Technology is therefore seen as a way to support people and improve service.
A relationship-driven approach
In an increasingly competitive market, RNHB believes personal relationships remain one of its strongest differentiators. The company combines specialist real-estate knowledge with flexibility and close customer interaction. Dedicated teams support clients throughout the financing process, from origination to portfolio management. According to the Co-CEO, success depends on more than price or speed. “We are a relationship business,” he says. “Clients come back because they know we understand their situation and can offer solutions that fit.” This approach has helped RNHB build long-term partnerships across the Dutch property market.
People at the heart of business
The same philosophy shapes the company internally. RNHB employs around 85 people and builds its culture around three core values: Be Human, Be Imaginative and Be Impactful. “Our people are our business,” David Foxwell stresses. “Technology should help them focus on what really matters.” The company invests in its employees and supports their professional development.
Looking ahead with confidence
Despite ongoing market challenges, RNHB is optimistic about the future. Demand for housing remains strong, creating opportunities for investors, developers and financing partners alike. As the company continues to expand its investor network and capabilities, it aims to play an even greater role in supporting residential development across the Netherlands. “The future is actually quite exciting for us,” the Co-CEO concludes. With its combination of market expertise, innovative financing solutions and personal relationships, RNHB is well placed to help shape the next chapter of the Dutch real-estate market.