Certification
NWWI valuer
NVM real estate agent and valuer, affiliated with the NWWI, registered with VastgoedCert. Valuation reports that banks and mortgage lenders accept, with the ongoing training the registration requires.
Team · Valuation
Anne Koeman
the matchmaker
NVM real estate agent and valuer
Involved with Amster Vastgoed from the start, with valuation as her core specialty. An NVM real estate agent and valuer, affiliated with the NWWI, which in practice means banks and mortgage lenders accept her reports.
Book a call with AnneBio
The valuer who shows her work.
Anne Koeman has been part of Amster Vastgoed from the start. Her work centers on valuations: determining the value of homes in the high-end segment, with the methodology and substantiation that banks, notaries and mortgage lenders accept. An NVM real estate agent and valuer, affiliated with the NWWI and registered with VastgoedCert, with the ongoing training that comes with it.
What makes a good valuation is not a single figure, but a report that answers its own question. What purpose does the report serve: bank financing, divorce proceedings, an inheritance or wealth planning? Each purpose calls for different substantiation, different comparisons, different points of attention. An anchor for the bank is different from substantiation for heirs, even if the same address is on the report.
The work that occupies her most is in the more complex cases: estates where several heirs have different interests, divorces where the report has to substantiate the division of assets, and (U)HNWI cases with international owners or listed buildings where standard methodology falls short. Where the standard tools end, the real care often begins.
Specialism
Four things Anne excels at.
Acceptance
Bank financing
An NWWI report should be accepted by every bank. Anne knows the points where a financing process stalls in practice and heads them off in advance, so that neither the validation nor the mortgage lender is left with questions.
Application
Four valuation purposes
Bank financing, divorce, inheritance, wealth planning. Each purpose calls for different substantiation and different points of attention. What a bank wants to see is different from what heirs need, even if the same address is on the report.
Premium segment
Complex cases
(U)HNWI cases, international owners, listed buildings and homes with few comparable sales. Situations where standard methodology falls short and extra context, experience and care carry the report.
FAQ by Anne
Straight answers.
What's the difference between an NWWI report and a regular valuation?
An NWWI report is a valuation validated by the Nederlands Woning Waarde Instituut, the validation institute banks and mortgage lenders rely on to accept a report. The validation checks whether the methodology is sound, whether the comparable sales fit and whether the substantiation is sufficient. A regular valuation without NWWI validation can be perfectly good in substance, but a bank will usually not accept it without questions. For financing, an NWWI report is the safe choice.
How long does a valuation report take?
Five to seven working days from the intake, for a standard case. Day one is the intake with the owner: what is the purpose, which documents are already available. Then an inspection visit to the home. After that, two to three working days to write the report and one working day for the NWWI validation. For more complex cases, such as listed buildings, leasehold or international owners, it can run to ten working days, and we're honest about that up front.
How is a valuation substantiated?
Three tracks: comparable sales in the same neighborhood and type of home within the past twelve months, an adjustment for the specific condition and features of the home such as year of construction, energy label, location, maintenance and plot, and a market context that takes current supply and demand into account. On top of that, the legal status, such as freehold, leasehold or listed status, and any structural points of attention. The report shows how each track leads to the final figure, not just the figure itself.