About us

Your situation comes first

We are Aquino Financial Services. A personal and dedicated team with Rayon as experienced mortgage advisor. Personal advice, independent network, always accessible.

Rayon Aquino

Founder & Mortgage Advisor

Rayon Aquino

What drives me? Helping people realize their housing dreams in a financially healthy way.

Background

My passion for mortgage advice started with a simple conviction: a mortgage is not a goal in itself, but a means to get what you truly want - a comfortable home, financial breathing room, security for your family. After 10 years of experience in financial services, I founded Aquino Financial Services to provide mortgage advice the way I would want to receive it myself.

Approach

What sets me apart? I don't start with products, but with listening. What do you want to achieve? What are your concerns? Only then do I search across various banks for the best solution. Not just the maximum, but also the sensible option.

Specialization

I work extensively with international professionals, entrepreneurs with complex income structures, and first-time buyers purchasing their first home. Situations where tailored solutions and clear explanations make all the difference.

Personal

Father of two young children, always looking for the best solution. Sports help me stay sharp, but my real motivation comes from the question: how can I do even better?

Certifications & qualifications

  • AFM registered independent advisor
  • Wft Mortgage Credit
  • Continuous education and market knowledge
Get to know us?

How we work

Our approach

01

Looking beyond the maximum

We don't just calculate what's possible, but above all what's sensible. A mortgage should fit comfortably into your life. With room for other wishes, for unexpected events, for your future plans. No pressure to borrow the maximum. Just honest advice about what suits your situation and your future.

02

Personal advice with professional accessibility

An advisor who knows you, with a team that's always available. You get Rayon as your dedicated advisor - he knows your file and guides your process. For quick questions, our team helps directly. By phone, WhatsApp or email - usually within a few hours, even outside office hours.

03

Independent with strong network

We hold our own AFM license and have no ties to banks or insurers. We compare various banks and always choose what's best for your situation. Through our years of experience, we often have access to competitive terms and faster processing.

Broad advice for every situation

Our expertise

Services

  • Buying your first home
  • Move-up home or investment
  • Renovation and sustainability
  • Refinancing for better terms
  • Equity release
  • Mortgage optimization

Specializations

  • International professionals
  • Entrepreneurs & freelancers
  • First-time buyers
  • Refinancing
Our network
  • Multiple banks for optimal choice
  • 30+ insurers for complete protection
  • Trusted real estate agents and notaries
  • Appraisers and building inspection services

What we stand for

Our vision & values

We believe that mortgage advice is about people, not products. A mortgage is a means to get what you truly want: a comfortable home, financial peace of mind, room to grow.

Honesty

We give advice as if it were for ourselves. No sugarcoating, just clear explanations about possibilities and risks.

Accessibility

A mortgage is a big step. We are easily reachable and take the time for your questions.

Independence

We choose what's good for you, not what's easy for us. That way you can trust that our advice is truly in your best interest.

Tailored solutions

No standard solutions. Every situation is different, so every piece of advice is too. We look at what suits you.

Calculate your mortgage amount

Discover instantly how much you can borrow and what your monthly payments will be - free and within 2 minutes.

Call directly: 06 1398 1923 Send an email
Free introductory meeting
No obligations
Response within 24 hours
Schedule free consultation
Nederlands NL