USE YOUR TIME FOR THE IMPORTANT THINGS IN LIFE
WE TAKE CARE OF THE BEST CONDITIONS FOR YOUR REAL ESTATE LOAN
USE YOUR TIME FOR THE IMPORTANT THINGS IN LIFE
WE TAKE CARE OF THE BEST CONDITIONS FOR YOUR REAL ESTATE LOAN
WE MANAGE AND NEGOCIATE
REAL ESTATE LOANS
Do you need a real estate loan? Don’t waste your time with countless bank appointments where you have to describe your situation over and over again, submit documents and answer questions.
Talk to us just once and we’ll talk to the banks. We guarantee you an offer before you have even had an appointment with your bank. We achieve better conditions and our services are free of charge for you.
Talk to us just once and we’ll talk to the banks. We guarantee you an offer before you have even had an appointment with your bank. We achieve better conditions and our services are free of charge for you.
Time saving
You talk to us and we talk to the banks. Save yourself time-consuming appointments with banking institutions where it is not clear whether a suitable result will be achieved.
Best conditions
We maintain partnerships with the most renowned banking institutions. This enables us to obtain better conditions than end consumers would be able to.
Consulting quality
The interest rate is not everything. As experienced bankers with academic titles, we know exactly what we are talking about. Benefit from our expertise.
We are fidem.
Marlon-Yves Nadler
Graduate in Banking
Thorsten Bodem
Banker
Guillaume de Vergnies
Credit expert
We are extremely satisfied with the support we received from Mr. Nadler. He takes his time, explains everything clearly, and always answers our questions competently. His prompt responses and reliable support save us a lot of time and stress.
We highly recommend Fidem. S.A.
We highly recommend Fidem. S.A.
We are extremely satisfied with the support we received from Mr. Nadler. He takes his time, explains everything clearly, and always answers our questions competently. His prompt responses and reliable support save us a lot of time and stress.
We highly recommend Fidem. S.A.
We highly recommend Fidem. S.A.
We had an excellent experience with Mr. de Vergnies as our broker. From the very first contact, he was very friendly, professional, and extremely polite. He took the time to fully understand our situation and prepared our file in a very detailed and efficient manner.
Thanks to his expertise and responsiveness, we reached an agreement in just three weeks after our first meeting—a result that far exceeded our expectations!
We highly recommend his services to anyone looking for a competent, reliable, and compassionate broker. Many thanks again to Mr. de Vergnies for his excellent work.
Thanks to his expertise and responsiveness, we reached an agreement in just three weeks after our first meeting—a result that far exceeded our expectations!
We highly recommend his services to anyone looking for a competent, reliable, and compassionate broker. Many thanks again to Mr. de Vergnies for his excellent work.
We had an excellent experience with Mr. de Vergnies as our broker. From the very first contact, he was very friendly, professional, and extremely polite. He took the time to fully understand our situation and prepared our file in a very detailed and efficient manner.
Thanks to his expertise and responsiveness, we reached an agreement in just three weeks after our first meeting—a result that far exceeded our expectations!
We highly recommend his services to anyone looking for a competent, reliable, and compassionate broker. Many thanks again to Mr. de Vergnies for his excellent work.
Thanks to his expertise and responsiveness, we reached an agreement in just three weeks after our first meeting—a result that far exceeded our expectations!
We highly recommend his services to anyone looking for a competent, reliable, and compassionate broker. Many thanks again to Mr. de Vergnies for his excellent work.
Mr. de Vergnies was very responsive, efficient, and informative throughout the mortgage loan process. He patiently followed my application for several months. I highly recommend him.
Mr. de Vergnies was very responsive, efficient, and informative throughout the mortgage loan process. He patiently followed my application for several months. I highly recommend him.
I would like to express my sincere gratitude to Mr. De Vergnies for his exceptional support throughout the process. His expertise and guidance were essential in overcoming complexities and ensuring a smooth transaction. I deeply appreciate the time and effort he devoted to helping me acquire my new home.
An incredible professional and an equally remarkable person. I highly recommend his services.
An incredible professional and an equally remarkable person. I highly recommend his services.
I would like to express my sincere gratitude to Mr. De Vergnies for his exceptional support throughout the process. His expertise and guidance were essential in overcoming complexities and ensuring a smooth transaction. I deeply appreciate the time and effort he devoted to helping me acquire my new home.
An incredible professional and an equally remarkable person. I highly recommend his services.
An incredible professional and an equally remarkable person. I highly recommend his services.
Amazing brokerage experience, communication was well and clear and the process was smooth and organized throughout. Definitely recommend! Thank you!
Amazing brokerage experience, communication was well and clear and the process was smooth and organized throughout. Definitely recommend! Thank you!
I had the pleasure of working with Guillaume and Marlon, and I cannot recommend them highly enough. Their professionalism, responsiveness, and in-depth knowledge of the Luxembourg real estate market were evident from day one. Whether it was navigating the legal aspects, providing market insights, or simply answering every question with patience and clarity, they consistently went above and beyond. Their advice was always thoughtful and well-informed. Highly recommend.
I had the pleasure of working with Guillaume and Marlon, and I cannot recommend them highly enough. Their professionalism, responsiveness, and in-depth knowledge of the Luxembourg real estate market were evident from day one. Whether it was navigating the legal aspects, providing market insights, or simply answering every question with patience and clarity, they consistently went above and beyond. Their advice was always thoughtful and well-informed. Highly recommend.
I had the pleasure of having Guillaume at fidem represent me for my mortgage application. He is extremely client centric, very knowledgeable about the whole process and presents a clear picture based on your financial situation and the options available, almost acting as an advisor in your best interest in relation to your real estate purchase. In a transaction which can seem daunting, he simplified the whole process and explained to me very clearly the possibilities while always keeping my best interest as a client in his mind. He went over an above in terms of service that I could expect as a client, I am genuinely very impressed by his dedication and I am sure the larger team at fidem operates with the same client centric focus.
I fully recommend Guillaume and fidem.lu for your mortgage needs and wish the team best of luck!
I fully recommend Guillaume and fidem.lu for your mortgage needs and wish the team best of luck!
I had the pleasure of having Guillaume at fidem represent me for my mortgage application. He is extremely client centric, very knowledgeable about the whole process and presents a clear picture based on your financial situation and the options available, almost acting as an advisor in your best interest in relation to your real estate purchase. In a transaction which can seem daunting, he simplified the whole process and explained to me very clearly the possibilities while always keeping my best interest as a client in his mind. He went over an above in terms of service that I could expect as a client, I am genuinely very impressed by his dedication and I am sure the larger team at fidem operates with the same client centric focus.
I fully recommend Guillaume and fidem.lu for your mortgage needs and wish the team best of luck!
I fully recommend Guillaume and fidem.lu for your mortgage needs and wish the team best of luck!
A very, very big thank you to Mr. Guillaume De Vergnies for his patience, his time, his follow-up, his responsiveness and all the work accomplished. In a very short time, he allowed me to find the financing to finally carry out my project. Since our first meetings, he sensed my fears and gave me the time necessary to gain confidence, gave me clear, constructive explanations and always in the interest of my project! Exceptional professionalism! A pleasure to have worked with him! Thank you again!
A very, very big thank you to Mr. Guillaume De Vergnies for his patience, his time, his follow-up, his responsiveness and all the work accomplished. In a very short time, he allowed me to find the financing to finally carry out my project. Since our first meetings, he sensed my fears and gave me the time necessary to gain confidence, gave me clear, constructive explanations and always in the interest of my project! Exceptional professionalism! A pleasure to have worked with him! Thank you again!
- quick responses
- really useful tips
- kind and helpful welcome
- good support all along the way
- really useful tips
- kind and helpful welcome
- good support all along the way
- quick responses
- really useful tips
- kind and helpful welcome
- good support all along the way
- really useful tips
- kind and helpful welcome
- good support all along the way
A Pro-Active, Client-Focused Mortgage Assistance Start-Up
I recently had the pleasure of working with the team at FIDEM to secure a mortgage, and I was thoroughly impressed by the level of service and support they provided. As a young start-up in the mortgage industry, FIDEM has clearly made client satisfaction a top priority.
From the very beginning, the FIDEM team was incredibly pro-active in reaching out to banks on my behalf and keeping me informed every step of the way. They took the time to ensure I understood all the details and complexities of the mortgage process, making what is typically a daunting task feel straightforward and manageable.
The FIDEM team's dedication to their clients was evident in their attentiveness and responsiveness. They were always available to answer my questions and provide guidance, and they worked tirelessly to streamline the process and secure the best possible terms for my mortgage.
In an industry that can often feel opaque and overwhelming, FIDEM provided a refreshingly client-focused experience. I highly recommend their services to anyone in the market for a mortgage. The team's professionalism, expertise, and commitment to their clients is truly exceptional.
I recently had the pleasure of working with the team at FIDEM to secure a mortgage, and I was thoroughly impressed by the level of service and support they provided. As a young start-up in the mortgage industry, FIDEM has clearly made client satisfaction a top priority.
From the very beginning, the FIDEM team was incredibly pro-active in reaching out to banks on my behalf and keeping me informed every step of the way. They took the time to ensure I understood all the details and complexities of the mortgage process, making what is typically a daunting task feel straightforward and manageable.
The FIDEM team's dedication to their clients was evident in their attentiveness and responsiveness. They were always available to answer my questions and provide guidance, and they worked tirelessly to streamline the process and secure the best possible terms for my mortgage.
In an industry that can often feel opaque and overwhelming, FIDEM provided a refreshingly client-focused experience. I highly recommend their services to anyone in the market for a mortgage. The team's professionalism, expertise, and commitment to their clients is truly exceptional.
A Pro-Active, Client-Focused Mortgage Assistance Start-Up
I recently had the pleasure of working with the team at FIDEM to secure a mortgage, and I was thoroughly impressed by the level of service and support they provided. As a young start-up in the mortgage industry, FIDEM has clearly made client satisfaction a top priority.
From the very beginning, the FIDEM team was incredibly pro-active in reaching out to banks on my behalf and keeping me informed every step of the way. They took the time to ensure I understood all the details and complexities of the mortgage process, making what is typically a daunting task feel straightforward and manageable.
The FIDEM team's dedication to their clients was evident in their attentiveness and responsiveness. They were always available to answer my questions and provide guidance, and they worked tirelessly to streamline the process and secure the best possible terms for my mortgage.
In an industry that can often feel opaque and overwhelming, FIDEM provided a refreshingly client-focused experience. I highly recommend their services to anyone in the market for a mortgage. The team's professionalism, expertise, and commitment to their clients is truly exceptional.
I recently had the pleasure of working with the team at FIDEM to secure a mortgage, and I was thoroughly impressed by the level of service and support they provided. As a young start-up in the mortgage industry, FIDEM has clearly made client satisfaction a top priority.
From the very beginning, the FIDEM team was incredibly pro-active in reaching out to banks on my behalf and keeping me informed every step of the way. They took the time to ensure I understood all the details and complexities of the mortgage process, making what is typically a daunting task feel straightforward and manageable.
The FIDEM team's dedication to their clients was evident in their attentiveness and responsiveness. They were always available to answer my questions and provide guidance, and they worked tirelessly to streamline the process and secure the best possible terms for my mortgage.
In an industry that can often feel opaque and overwhelming, FIDEM provided a refreshingly client-focused experience. I highly recommend their services to anyone in the market for a mortgage. The team's professionalism, expertise, and commitment to their clients is truly exceptional.
Excellent service! They were professional, well informed, communicating in a clear and timely manner, and diligent. At all times they made headway in getting a better and better deal. I would gladly use their service again!
Use our practical real estate loan calculators!
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You would like to know what you can afford? We will provide you with a buyer’s certificate.
Do you know your investment amount and would like to know what the monthly installments would be?
3 steps to your real estate loan
1
First meeting
In an initial non-binding meeting, we introduce ourselves and show you what we can do for you. You explain your life situation to us and describe your plans. Whether at our office, at your home or digitally via video call: We are completely flexible and will work according to your needs.
2
Analysis & Offers
We take the time to study your project in detail. We summarize your data in a dossier and approach banking institutions with it in order to obtain numerous real estate credit offers for you.
3
Comparison & Recommendation
All offers are reviewed, evaluated and compared. Based on your individual case, we will make a recommendation. In the end, of course, you decide for yourself which real estate loan offer suits you best. We are always there to advise you.
We fit the loan to your life
and not your life to a loan!
Do you already have one or more current real estate loans?
Loan rescheduling
You can save money by rescheduling your current real estate loan. As your property increases in value over time and your loan amount decreases in parallel due to repayment, it is worthwhile in many cases to replace the current real estate loan with a new one. Learn more
Real estate value
Credit amount
