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
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
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
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
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 loan.read more
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 expertise.read more
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
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
Marlon from Fidem was incredible. He was so responsive, gave exceptional advice and he kept us updated throughout the whole process. He managed to... secure our mortgage at a great rate and he got us the best deal on our life insurance. Working with Marlon was an absolute pleasure and he exhibited so much professionalism and willingness to help us. I would highly recommend him to anyone looking for a mortgage broker.read more
I had the pleasure of working with Marlon and was thoroughly impressed with his professionalism and dedication to his clients. Marlon always... prioritised what was in my best interest, rather than simply pushing for what would benefit the bank. He was approachable and always available to answer any questions, whether they were related to my loan contract or more general in nature. Marlon's expertise and trustworthy advice made the process of securing a mortgage much less daunting. I would highly recommend Marlon to anyone in need of a mortgage agent who truly cares about their clients' needs.read more
Highly recommended//Professional//Fast & Reliable: I cannot recommend Fidem and Mr Marlon enough! He is professional, efficient and very reliable.... When working with him, you can be assured that he has your best interest in mind. He takes time to understand your requirement and works with multiple banks to get the best offer for you. He will also help you navigate all offers and choose the right one depending on your need!read more
Excellent team of professionals!Mr . Guillaume de Vergnies found the best loan for my acquisition. Highly professional, fast and efficient. Will... highly recommend to anybody! Thank you!Well done job!read more
Are you looking for a loan in Luxembourg, but is your salary too small for the housing market in Luxembourg. I suggest to contact Fidem, they made... the for me seemingly unpossible happen. Thanks Fidem!!read more
I highly recommend Guillaume de Vergnies! Incredible experience in finding the best loan for my acquisition. I communicated with him in English and... the experience was really positive.read more
Marlon immediately supported me and helped to reach all possible ways to get a home loan in a short time. He is very responsive, has a very good... knowledge, kind and nice person. I strongly recommend him.read more
We have contacted Fidem to help with our house loan application in Luxembourg. The representative of Fidem was quite professional, understood our... needs quickly and maintained a good communication throughout the process. He has contacted several banks which saved us a lot of time as we did not have to take individual appointments. At Fidem, they know what they are doing and helping people get the best terms for their house loan applications.read more
Marlon has been extremely helpful throughout the entire process of obtaining finance for our project. He's very reliable, responsive and clear in its... explanations, he's fluent in English and that's an added value for expats in Luxembourg. I would recommend him to anyone looking for the services of a broker in Luxembourg.read more
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
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
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
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 loan.read more
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 expertise.read more
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
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
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
