More Than My Mortgage for you!

For More Than My Mortgage going the extra mile is nothing special. It’s in our genes. It’s our passion. We provide you with more than a service and an advice on mortgages, insurances and pensions. We take you through more than just the process of finding your perfect house or investment in the Caribbean and we will get you the best mortgage deal! Our personal approach, strong local network, tax knowledge and international background enables us to truly connect with you and simply help you better.

With over 19 years of experience at banks and insurance companies, brokerages and consultancy firms we will make complex things simple and transparent for you. Saving you time, money and hassle.

Roos Sinot-Winkel Msc.
Director of More Than My Mortgage
Sinot-Winkel Management Group B.V.


  • We make it personal. We love it and we know a personal approach works best.
  • Dutch, English, Spanish or Papiamentu? We speak your language.
  • Our local roots, tax knowlegde, international experience and strong network in the Caribbean will get you your best deal without extra costs.
  • We are specialized in advice on mortgages and will guide you through the entire process from searching for a home or investment to the moment you get your key.
  • We are specialized in pension plans, both for businesses and individuals. We can create a pension plan from scratch, based on your needs, and finding the best insurance company to manage your plan. Or evaluate your existing group pension plan and insurance contract.
  • We provide independent insurance advice on general insurances like home and car insurances, health insurances and life insurances and savings plans.
  • Dazzled by all the notary offices, real estate appraisers, tax advisors, banks, insurance companies and real estate brokers? We work with many of them and we will lead you the way without extra costs.

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Sinot-Winkel Management Group B.V.

Santa Rosaweg #22, Willemstad Curaçao

KvK 134690
Registration Central Bank of Curaçao and Sint Maarten nr. 2020-009916 AB