Mortgage Services

A mortgage lays the foundation for your living comfort and future.

I don't start with what I can sell, but with what you need. First, I understand your situation and goals. Then I search across 35+ banks for the solution that best fits yours. It should always be that simple.

Schedule an appointment

From dream home to true happiness

How can I help you?

Buying your first home

Your first step on the property market: exciting and sometimes overwhelming.

What I do for you:
  • Determine what you can realistically borrow
  • Find the best mortgage across multiple banks
  • Advise on responsible monthly payments that fit your lifestyle
  • Guide you from orientation to key handover
  • Explain every step and every document clearly
  • Arrange a Bid Certificate for a stronger negotiating position

Moving up or investing

Moving to a larger home, investment property, or second home.

What I do for you:
  • Calculate what you can borrow for moving up or an investment property
  • Compare all options across multiple banks
  • Check rental possibilities and bank requirements
  • Map out the tax implications clearly
  • Determine the best financing structure for you
  • Advise on smartly combining mortgages

Home renovation

Adapting your home to your needs and preferences.

What I do for you:
  • Calculate how much you can borrow for your renovation
  • Compare all options across multiple banks
  • Advise on phased or complete financing
  • Account for risks and unforeseen costs
  • Check which renovations increase your property value
  • Arrange a mortgage that fits your plans

Making your home sustainable

Making your home energy-efficient: good for climate and wallet.

What I do for you:
  • Calculate how much you can borrow for sustainability upgrades
  • Find green mortgages with favourable terms
  • Map out available subsidies and schemes
  • Calculate the payback period of your investment
  • Combine with other mortgage needs when it makes sense
  • Keep sustainability and affordability in balance

Remortgaging

Better rates, different terms, or more flexibility.

What I do for you:
  • Calculate whether remortgaging is worthwhile in your situation
  • Compare all options across multiple banks
  • Map out early repayment charges and costs
  • Advise on better terms and more flexibility
  • Check if you can borrow additional funds at the same time
  • Guide you through the entire process up to signing

Equity release

Using the built-up equity in your home for other purposes.

What I do for you:
  • Calculate how much equity you have available
  • Advise on a healthy withdrawal amount
  • Map out the tax implications
  • Show what this means for your monthly payments
  • Compare terms across multiple banks
  • Combine with other mortgage needs when it makes sense
Mortgage advice consultation
AFM-certified Licensed mortgage advisor

The best choice to create your living happiness

Why work with Rayon

Rayon as your dedicated advisor

You get Rayon as your dedicated advisor. He takes the time to understand your situation and provides tailored advice. No changing contact persons: one advisor from start to key handover.

Always reachable thanks to our team

For quick questions, uploading documents, or scheduling appointments, our team steps in right away. Rayon remains your dedicated advisor; the team ensures you never have to wait long.

Independent advice across multiple banks

With our AFM licence, we are fully independent. We compare multiple banks and always choose what is best for your situation.

Responsible mortgage payments, not maximum

We help you determine what is sensible. So your mortgage fits comfortably with your life, leaving room for other wishes.

Schedule a free introduction Non-binding, no obligations

The process

From first meeting to key handover

1
Introduction meeting (free)

We discuss what you want to achieve and explain what is financially possible.

2
Financial analysis

We map out your complete situation, including future plans.

3
Tailored advice

We compare 35+ banks and provide clear advice with pros and cons.

4
Mortgage application

We handle the application and act as your point of contact with the bank.

5
Valuation & inspection

We coordinate everything. You just need to be available.

6
Offer & approval

We review the offer, explain everything, and answer any final questions.

7
Notary & key handover

The final step! We guide you until the key is yours.

Ready to take the first step?

Start with a free consultation

Mortgage advice for every situation

Who is our mortgage advice for

First-time buyers

Buying your first home is exciting. We take extra time to explain everything clearly and guide you step by step - from orientation to key handover.

Entrepreneurs & Self-employed

Complex income structure? I know the banks that understand entrepreneurship and how annual accounts are interpreted. From start-ups to established entrepreneurs with multiple companies.

Upsizers

Moving to a larger or different home? We help you align your current and new mortgage optimally, so you can move up smoothly.

Remortgagers

Wondering if you could save? We calculate whether remortgaging is beneficial and find the best terms across multiple banks. Average savings: EUR 150-300 per month.

Investors & Second Homes

Investment property or second home? We advise on financing structures, tax aspects, and rental possibilities - so you can optimise your returns.

Internationals

The Dutch mortgage system is different from what you may be used to. We explain it in clear English and guide you through all processes and regulations.

Calculate your mortgage amount

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

Free introduction meeting
No obligations
Response within 24 hours
Book free consultation
Nederlands NL