About Personce

Meet the architects of your Dutch Future.

With over 25 years of combined experience guiding expats through the Dutch financial system, we don’t just provide financial products. We make sure you actually understand them before you sign anything.

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Our story

Bridging the gap between banking and reality.

We saw how highly skilled expats were getting lost in Dutch bureaucracy. Traditional banks offered fragmented services, generic advice, and slow procedures that didn't match the speed of the local housing market. That is why we built Personce: a true 'One-Stop-Shop' where absolute independence, deep local expertise, and seamless execution come together to eliminate friction and give you total peace of mind.

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Founders

Meet the founders

The engineers of your financial strategy

Director & certified financial consultant

Joost Broné

With over 25 years of experience in the financial sector, Joost specializes in expat mortgages, comprehensive financial planning, and insurance. He is the driving force behind the Personce “one-stop-shop” concept. His mission is to eliminate friction by combining strategic mortgage advice with dedicated buying support, delivering expert guidance in a language you understand and the peace of mind you deserve.

25+

Years of financial experience

Joost Broné, director and financial consultant at Personce

Director & certified mortgage planner

Laurens Meerhoff

Bringing more than 25 years of financial expertise to the table, Laurens founded Personce to bridge the gap between the complex Dutch financial system and the expat community. As an innovative entrepreneur, he specializes in mortgages, long-term wealth planning, and insurance. His core strength lies in translating intricate financial regulations into clear, actionable, and highly service-oriented strategies for his clients.

25+

Years of experience

At your service

The Personce team

This awesome team helps you finance and secure your home in the Netherlands.

Pascalle Ramakers

Management Assistent

Kirsten Kerssemakers

Casemanager

Dorien Dielen-Beerens

Casemanager

Fleur Kamberg

Casemanager

Noortje van der Zalm-van der Wijst

Casemanager

Lisa Veldkamp

Insurance Advisor

How we operate

Independence

We work for you, not for the bank. We compare over 40 lenders to secure unbiased, data-driven results tailored to your profile.

Clarity

No "finance-speak." In every free 90-minute session, we translate complex Dutch policies and tax laws into plain English, so you understand the decision, not just the outcome.

Speed

In a market where homes sell in an average of 32 days, standard banking is too slow. We are the fast-track you need to win the bid.

Full market coverage: we scan every financial partner

Unlike a traditional bank, we are not limited to our own products. We provide a 100% independent comparison of the entire Dutch financial market to secure the best rates and specialized expat conditions for you.

Testimonials

Trusted by 1000+ expats in the Netherlands

"Honestly, I couldn't be happier with the help I got from Joost and the team. Housing stuff can be pretty stressful, but they made the whole process super smooth from start to finish. Everything was streamlined and easy to follow. Highly recommend if you want to get things done without the headache!"

Vigneshwar

"As an expat, I had a very positive experience with the Personce team. They supported me throughout the mortgage process and the transfer of my house with clear explanations and regular updates, which made things smooth and stress-free. In my case, the time available was quite short, but they still managed to pull everything together on time. I really appreciated their effort and support, Highly Recommended!"

Dareer

"Highly recommend Personce for any financial advising. The staff is super nice and available for any questions or doubts (you need someone to hold your hand when making big decisions🥹). Working with them made everything go smoothly and MUCH faster than I expected. I was surprised how accurate their predictions were and how it materialised in a matter of 1 week.⭐️ ⭐️ ⭐️⭐️ ⭐️"

Sara

We're ready to meet you

We're not just your advisors; we're your partners in Eindhoven.

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