Skip to content






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.
Kredit Laufzeit Icon

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.

Kredit Konditionen Icon

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.

Kreditberatung Qualität Icon

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
Marlon-Yves Nadler
Graduate in Banking
Thorsten Bodem
Thorsten Bodem
Guillaume de Vergnies von fidem.
Guillaume de Vergnies
Credit expert
fidem. S.A.
Based on 65 reviews
powered by Google
Very professional service from Marlon and Guillaume, highly recommended!!
Konrad DwojakKonrad Dwojak
04:10 05 May 24
Very professional and customer-focused team. They listen to their clients' need. Highly recommended!
07:50 20 Apr 24
Excellent consultation. Very sensible advise from Guillaume about restructuring of my existing mortgage. Five stars for their professionalism right... from the first email exchange!Looking back, I only wish I had consulted them for my original mortgage, as their advise was much more insightful, compared to another broker who I had consulted back more
Filipa PeixotoFilipa Peixoto
10:38 18 Apr 24
Mr. De Vergnies is very professional, informed us well about all the details and responds very quickly and is always accessible and very kind!
Thuan NguyenThuan Nguyen
16:16 17 Apr 24
Excellent follow-up of the file, thank you for your support in the analysis and subscription of my need/product
Very Good Service offered for Home Loan
Kathy SiavalaKathy Siavala
12:44 11 Apr 24
Perfect responsiveness and advice. Perfect file tracking.
12:12 28 Mar 24
Excellent experience with FIDEM! Big thanks to Guillaume for his professional and personal approach to our request. He gave us exceptional advices,... helped to negotiate better offer of interest rate on mortgage. It was a pleasure working with him.I definitely recommend him and FIDEM team to anyone looking for a mortgage more
Ankur JhaAnkur Jha
09:02 25 Mar 24
FIDEM is an absolute game-changer when it comes to navigating the complex world of home loans in Luxembourg. From start to finish, their team... provided unparalleled support and expertise, making the entire process incredibly smooth and stress-free.First and foremost, I was blown away by the level of personalized attention I received. FIDEM took the time to understand my specific needs and financial situation, tailoring their services to match perfectly. Their team (esp. Marlon) was always available to answer any questions I had, providing clear and concise explanations every step of the way.Moreover, their knowledge of the Luxembourg housing market and banking system is truly remarkable. They guided me through the intricacies of securing a home loan with ease, ensuring that I obtained the best possible terms and rates available.What sets FIDEM apart is their dedication to client satisfaction. They went above and beyond to advocate for my interests, negotiating on my behalf and securing a loan that exceeded my expectations. Their professionalism and attention to detail instilled complete confidence in me throughout the entire process.I wholeheartedly recommend their services to anyone in need of assistance with home loans or financial matters in Luxembourg. For BCEE though, you might need to directly talk with the bank as they don't use 3rd parties for home more
S SelimS Selim
12:53 12 Mar 24
If there is more than 5 stars I would have given to this excellent service.Marlon have been very professional and an expert indeed, the way he... clearly communicates regarding each needed step by step actions, which documents also explained in details, how to issue this type of complicated paper work quick and smoothly.Most important part for me was, the amazing and very appreciated part - when he was going on leave, he didn't just leave me hanging and wondering what to do next. He actually connected me to his collogue Guillaume to make sure all my case is completed in the best way.Guillaume, was also equally professional, supportive and patient with all my follow ups, emails and wonders.I have to say my case felt like a dream and impossible to get, but the way they handled my case and got me the best mortgage option and support feels like a mission impossible but yet they made it feel so easy and granted me wish came true :).I am super happy for all the support and would definitely recommend their service to all.All the best with your business, keep up the hard more
Xavier RoblinXavier Roblin
08:27 06 Mar 24
Excellent service from Fidem, both on matters of financing brokerage and home savings. I highly recommend.
Ghislain d'ArgenlieuGhislain d'Argenlieu
12:40 20 Feb 24
I warmly thank Guillaume for the exchange we had. His answers are precise and well explained. We are seriously considering going through Fidem for... our more
Amaury BocklandtAmaury Bocklandt
15:57 19 Feb 24
Andrzej ReichAndrzej Reich
22:46 01 Feb 24
I am very happy with the service provided by Fidem. I was in contact with Guillaume who is very knowledgeable, professional, and responsive. Within... few days after receiving my files, Guillaume presented me several loan offers, prepared a comparison of available options and quickly responded to all my follow-up questions. He also negotiated a lower interest rate and helped me secure the loan that is tailored to my situation. Excellent service overall!read more
Alexey RomanovAlexey Romanov
17:08 01 Feb 24
I recently had the pleasure of working with Guillaume de Vergnies at for my mortgage request, and I couldn't be happier with the service... provided. Guillaume was not only quick and efficient in helping me secure the best offer, but his negotiation skills also ensured I got a better rate with the bank. His professionalism, responsiveness, and clear communication made the entire process smooth and stress-free. I highly recommend Guillaume and the team to anyone looking for top-notch mortgage assistance. Thank you, Guillaume, for your exceptional service!read more
J RaJ Ra
19:41 14 Jan 24
I have been dealing with Mr. Nadler regularly for almost a year; ever since I decided to buy a property in Luxembourg. Mr. Nadler has already... patiently supported two planned projects with enormous expertise before I finally found "the right thing" on the third attempt. I was always amazed at the commitment. He was available at any time, even between years and, for example, offered to come along when the contract was signed. There he asked a few questions out of his own interest; even his assessment of real estate valuation has proven to be correct. Since I was previously unfamiliar with the Luxembourg real estate market, I was even more grateful to have Fidem at my side. The learning curve was very steep and I personally don't think I would have been able to realize the project without this support. I will always be grateful for that. I don't know what could have been done better 🙂 Keep it up!read more
11:18 15 Dec 23
Wonderful experience! Guillaume was incredibly patient and helpful, guiding us through the mortgage process and securing a highly competitive rate.... As first-time homeowners, he took the time to explain the steps and also recommended an excellent life insurance company. Highly recommended!read more
Ewelina DabrowskaEwelina Dabrowska
14:40 17 Nov 23
Fantastic service !!Working with Marlon was such a pleasure. He is very dedicated, explains every little thing in detail, has a lot of patience and... is very responsive.Marlon is super knowledgeable who makes sure that his clients are satisfied and that they make the right decision.We highly recommend Marlon at Fidem as your number one help in dealing with mortgages.Thank you Marlon for your time and all your help!read more
xinye zhaoxinye zhao
19:45 16 Nov 23
Most recommended!Best professional service .
Sophie CumaniSophie Cumani
17:43 10 Nov 23
FIDEM made our life project possible! We had had very bad experiences with brokerage services before, but FIDEM was able to show us that there are... real professionals who perfectly master their subjects.We would like to particularly thank Guillaume de Vergnies for his professionalism and the quality of our discussions, as well as his availability and responsiveness. His advice was invaluable, the proposals were precise and always weighed the pros and cons, with flawless knowledge of our file and also of current market conditions. We obtained an unbeatable rate for the purchase of our new house, taking into account current market conditions, and the procedures were really simplified.We highly recommend FIDEM’s services!read more
Igor DKIgor DK
13:39 13 Sep 23
I totally recommend the FIDEM experts, in particular Mr Guillaume De Vergnies. The best in his field, he managed to get us great financing in the... midst of a crisis with the best possible conditions.thank you sirread more
Kamran Hyder (Kam.H)Kamran Hyder (Kam.H)
18:35 28 Aug 23
It was our first home loan so we felt a little stressed but having Marlon as our broker really made the whole process smooth and stress free. He was... always there for our queries regarding loans and related matters. He got us a very good loan offer that we are confident about. I would highly recommend him to anyone who is looking to take a mortgage more
Maria LiatsopoulouMaria Liatsopoulou
18:17 28 Aug 23
Absolutely delighted with our broker, Marlon. His exceptional work not only secured us the best possible deal in this challenging financial market,... but he also patiently addressed all our inquiries over the span of a year. Marlon went above and beyond by explaining the intricacies of Luxembourg's laws, which was invaluable to us as first-time property buyers. We are truly grateful for his guidance in making decisions that would serve our best interests. Moreover, Marlon meticulously walked us through all the calculations for each loan offer, ensuring we were well-informed at every step of the process. Choosing Marlon was a fantastic decision, and we sincerely hope he maintains this level of excellence going forward. Thank you for your dedication and more
12:19 20 Jul 23
I highly recommend Fidem to everyone who is looking for a mortgage for buying a property!!!As a first time buyer, I had no idea what to expect and... what to do. I first contacted another broker before but I did not have a good impression about that one so I had to look for another one and my husband found Fidem on Google.I dropped my request through their website and I got a phone call from Mr. de Vergnies in only few minutes after my request was sent. I was totally impressed by the efficiency and also the professionalism from the initial call we had so my husband and I decided to go for asking Fidem to assist us.My file was handled by Mr. Nadler, who is another impressive professional. He is very knowledgeable, responsive, and competent in finding us good offers. Despite the tight deadline of our project, and we also experienced unexpected delay on the bank side, finally everything has worked out on time. Mr. Nadler also helped to reduce the stress I got from the real estate agent. This emotional reassurance based on his expertise was most needed during such a big stressful project in my life.We are now just waiting for the bank to complete the administrative work then we should soon be the home owners. I truly appreciate the good job has done by Fidem. If one day we will need assistance on refinancing, we will surely contact Fidem as well. *thumb up*read more
Egemen YilmazEgemen Yilmaz
22:45 12 Jun 23
We worked with Guillaume to get our mortgage loan contract. He was available, taking time to educate us about the system, options, and provided us... various bank offers that helped us to save not only time but also better rates then what we would get (he negotiated for various times with banks). He was also answering all our clarification questions. I would strongly recommend himread more

Use our practical real estate loan calculators!

Monthly rates

Do you know your investment amount and would like to know what the monthly installments would be?

Load capacity

You would like to know what you can afford? We will provide you with a buyer’s certificate.

3 steps to your real estate loan


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.


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.


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 
Umschuldung Divergenz Icon

Real estate value

Credit amount