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
Mr. Nadler from FIDEM managed to finance an apartment in Luxembourg, even though we live in Switzerland. All the banks I asked refused straight away.... Thank you for the competent advice and very friendly support!read more
A pleasure to deal with.Since the first meeting everything was made clear for us. All the bureaucracy seem so simple after dealing with Fidem.... Flawless experience.read more
We had such a wonderful experience with them. Marlon was incredibly helpful and took the time to explain all the details to us. As expats, we don't... have all the knowledge about real estate in Lux or banking, so having Marlon's expertise was invaluable to us. Purchasing an apartment was essential for us, and we are so grateful for the support we received. I highly recommend their services!read more
Having been recommended Marlon by a friend, we knew that we were in good hands but the consideration he gave to us was exceptional. He took the time... to explain everything and was very thorough with every step. Thank you again! We would no doubt recommended him!read more
Very professional service from Marlon and Guillaume, highly recommended!!
Very professional and customer-focused team. They listen to their clients' need. Highly recommended!
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 then.read more
Mr. De Vergnies is very professional, informed us well about all the details and responds very quickly and is always accessible and very kind!
Excellent follow-up of the file, thank you for your support in the analysis and subscription of my need/product
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 broker.read more
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 loans.read more
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 work.read more
Excellent service from Fidem, both on matters of financing brokerage and home savings. I highly recommend.
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 project.read more
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
I recently had the pleasure of working with Guillaume de Vergnies at fidem.lu 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 fidem.lu team to anyone looking for top-notch mortgage assistance. Thank you, Guillaume, for your exceptional service!read more
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
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
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
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
