{"id":8801,"date":"2023-11-05T18:05:09","date_gmt":"2023-11-05T17:05:09","guid":{"rendered":"https:\/\/www.fidem.lu\/?page_id=8801"},"modified":"2023-11-12T12:42:30","modified_gmt":"2023-11-12T11:42:30","slug":"mortgage-broker","status":"publish","type":"page","link":"https:\/\/www.fidem.lu\/en\/mortgage-broker\/","title":{"rendered":"mortgage-broker"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"8801\" class=\"elementor elementor-8801\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-100490d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"100490d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3546eed\" data-id=\"3546eed\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c21cd7c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c21cd7c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d8f12a5 elementor-invisible\" data-id=\"d8f12a5\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-280b726 elementor-widget elementor-widget-heading\" data-id=\"280b726\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Mortgage broker<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a79355 divider-blue elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"4a79355\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-756ab70 elementor-widget elementor-widget-heading\" data-id=\"756ab70\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your shortest way to the best real estate financing<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d3bd80 elementor-widget elementor-widget-text-editor\" data-id=\"5d3bd80\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">A credit broker is a service provider that refers consumers to lending institutions and banks. The mission is to assist you in finding a suitable mortgage loan for your financing needs. <br \/><br \/>Your need for these services arises from the number of banking products and credit offers on the market. The main difficulty is to keep a comprehensive overview of this diversity. However, the credit intermediary takes care of this for you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cd1cab7 elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"cd1cab7\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ca984bb\" data-id=\"ca984bb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e5a90e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"e5a90e2\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4aa1742 elementor-invisible\" data-id=\"4aa1742\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-91350a7 elementor-widget elementor-widget-image\" data-id=\"91350a7\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\" class=\"attachment-large size-large wp-image-8895\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8bc2ab1 elementor-invisible\" data-id=\"8bc2ab1\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-63a63b8 elementor-widget elementor-widget-heading\" data-id=\"63a63b8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Professional advise<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-863304d elementor-widget elementor-widget-text-editor\" data-id=\"863304d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>At the time of your loan capacity analysis and before submitting your loan request to credit institutions, a loan broker must consider which instalment amount you can afford and what term is acceptable to you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a17d05 elementor-widget elementor-widget-heading\" data-id=\"7a17d05\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">More than one bank<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0715aad elementor-widget elementor-widget-text-editor\" data-id=\"0715aad\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A credit advisor must work with various partnering banks, and he submits your loan request to them. To do this, the service provider prepares your loan application, reflects your life plans and the necessary details about your personal &amp; financial situations, and the desired loan amount calculated together.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2261730 blog-bubbleMidBlueLeftBG-580px-resize elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"2261730\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-20bbf90\" data-id=\"20bbf90\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d6ef29a elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"d6ef29a\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3b554b9 elementor-invisible\" data-id=\"3b554b9\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6411c71 elementor-widget elementor-widget-image\" data-id=\"6411c71\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\" class=\"attachment-large size-large wp-image-8895\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d4b5ccb elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"d4b5ccb\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e954742 elementor-invisible\" data-id=\"e954742\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9958d54 elementor-widget elementor-widget-heading\" data-id=\"9958d54\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Professional advise<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae4521b elementor-widget elementor-widget-text-editor\" data-id=\"ae4521b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>At the time of your loan capacity analysis and before submitting your loan request to credit institutions, a loan broker must consider which instalment amount you can afford and what term is acceptable to you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ec9185 elementor-widget elementor-widget-heading\" data-id=\"1ec9185\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">More than one bank<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd2566f elementor-widget elementor-widget-text-editor\" data-id=\"cd2566f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A credit advisor must work with various partnering banks, and he submits your loan request to them. To do this, the service provider prepares your loan application, reflects your life plans and the necessary details about your personal &amp; financial situations, and the desired loan amount calculated together.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c52c272 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c52c272\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-886a09f\" data-id=\"886a09f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e5f1cbf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e5f1cbf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b472e4f elementor-invisible\" data-id=\"b472e4f\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d7ae62d elementor-widget elementor-widget-heading\" data-id=\"d7ae62d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Tailor-made service<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e0e052 elementor-widget elementor-widget-text-editor\" data-id=\"7e0e052\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A credit broker can do a lot for you. He advises you, has contacts to the credit institutions and knows where to find the most favourable conditions for your financing. He will also show you which terms, instalment amounts and repayment duration he considers the most advisable according to your profile.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f6653f elementor-widget elementor-widget-heading\" data-id=\"3f6653f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Save Time and Effort<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a64003 elementor-widget elementor-widget-text-editor\" data-id=\"1a64003\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tA credit broker directly communicates with each bank credit decision-maker. Each bank specific risk assessment rule is taken into account before submitting your loan application. A credit broker has the professional expertise to prepare and document this loan request at best. It is only done once and jointly with each client.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3fa7bb7 elementor-invisible\" data-id=\"3fa7bb7\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-23995ce elementor-widget elementor-widget-image\" data-id=\"23995ce\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/deposit-time-white-300px.png\" class=\"attachment-large size-large wp-image-8883\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/deposit-time-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/deposit-time-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-709fee7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"709fee7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5f21c03\" data-id=\"5f21c03\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a6a42c8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a6a42c8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1afa599 elementor-invisible\" data-id=\"1afa599\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f4cbab elementor-widget elementor-widget-heading\" data-id=\"8f4cbab\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Competitive interest rates<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ef4f88 elementor-widget elementor-widget-text-editor\" data-id=\"9ef4f88\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Because loan brokers have access to a wide variety of lenders, they can negotiate favourable interest rates on your behalf. They can help you save money in the long run by finding the best interest rates for your financing. The banks issue a loan proposal with their best conditions, as they know that a broker also put them in competition with other banks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61be088 elementor-widget elementor-widget-heading\" data-id=\"61be088\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">You have the last word<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fee9b5 elementor-widget elementor-widget-text-editor\" data-id=\"1fee9b5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tThe Broker must explain transparently the differences of the available offers to you. Once the comparison of these offers is clear to you, you can then decide whether and which ones to accept. If difficult circumstances should stand in the way of obtaining a credit, the broker can often still reach success in the personal discussion with the bank representatives. <br><br>Furthermore, the credit intermediary ensures a fast-tracked analysis of your application. He knows how to optimally prepare the loan application and avoid delays in its confirmation. Thus, the loan broker offers you numerous valuable services for your real estate financing.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1703e3a elementor-invisible\" data-id=\"1703e3a\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c4784ee elementor-widget elementor-widget-image\" data-id=\"c4784ee\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/bank-bluegrey-300px.png\" class=\"attachment-large size-large wp-image-8853\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/bank-bluegrey-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/bank-bluegrey-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-04252d0 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"04252d0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a65d8c8 elementor-invisible\" data-id=\"a65d8c8\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9752470 elementor-widget elementor-widget-image\" data-id=\"9752470\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/growth-bluegrey-300px.png\" class=\"attachment-large size-large wp-image-8856\" alt=\"Wachstum\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/growth-bluegrey-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/growth-bluegrey-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-57cc499 elementor-invisible\" data-id=\"57cc499\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b0fc85c elementor-widget elementor-widget-text-editor\" data-id=\"b0fc85c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"white-space-collapse: preserve;\">Without the intermediation of a mortgage broker, here are the time-consuming steps to go through by yourself:<\/span>\n<ul><br>\n \t<li><span style=\"white-space-collapse: preserve;\">preparing your loan request documentation<\/span><\/li>\n \t<li style=\"margin-top:10px\"><span style=\"white-space-collapse: preserve;\">clarifying your needs<\/span><\/li>\n \t<li style=\"margin-top:10px\"><span style=\"white-space-collapse: preserve;\">setting meetings with the local banks<\/span><\/li>\n \t<li style=\"margin-top:10px\"><span style=\"white-space-collapse: preserve;\">understanding their available products<\/span><\/li>\n \t<li style=\"margin-top:10px\"><span style=\"white-space-collapse: preserve;\">distinguishing the benefits and the risks<\/span><\/li>\n \t<li style=\"margin-top:10px\"><span style=\"white-space-collapse: preserve;\">following up each request with each bank<\/span><\/li>\n \t<li style=\"margin-top:10px\"><span style=\"white-space-collapse: preserve;\">completing documentation specifically to each bank requirements<\/span><span style=\"white-space-collapse: preserve;\">\n<\/span><\/li>\n<\/ul><br>\nOnce you have reached the step of obtaining several banks offers by yourself, it is now time to make your calculations, so you can compare one to the others, and make some leverages to eventually renegotiate relevant offers.\nAnd remember that it should be done within the timeframe set by your compromise, not to lose your real estate project with potential penalties.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0044482 elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0044482\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bdab3d8\" data-id=\"bdab3d8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4af66de elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4af66de\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ba0fca9 elementor-invisible\" data-id=\"ba0fca9\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fe8fc81 elementor-widget elementor-widget-heading\" data-id=\"fe8fc81\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How do we do it at <span style=\"color: #008EAA;font-weight: 500\">fidem.<\/span>?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bff351f elementor-widget elementor-widget-text-editor\" data-id=\"bff351f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tWhen it comes to buying a home, the right loan must match your life plans and one of the keys is a comfortable monthly payment for the household. We pay as much attention to your home financing conditions than to your expected flexibility along your future projects. With so many ways to structure a home credit, it has never been so difficult to obtain the best financing fitting your living situation and your goals and desires, as ever.\n\n<br><br>\nWe consider interest rates as the tip of the iceberg of a loan contract and its structuration \u2013 security vs flexibility vs protection \u2013 is the invisible part, but also the most important during the loan lifecycle.<br><br>\nAs independent mortgage brokers, fidem is on the side of its clients to represent their interests to the banks. Our recommendations are not influenced by the credit institutions\u2019 interest.\n\n<br><br>\nAfter contacting fidem, you will have a dedicated contact person that will guide throughout the full loan process.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8c16eb9 elementor-invisible\" data-id=\"8c16eb9\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f4ef25 elementor-widget elementor-widget-image\" data-id=\"1f4ef25\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-question-bluegrey-filled-white-300px.png\" class=\"attachment-large size-large wp-image-8898\" alt=\"Mann mit Frage\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-question-bluegrey-filled-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-question-bluegrey-filled-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ce0d90b elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ce0d90b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-605c18e\" data-id=\"605c18e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e604f49 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e604f49\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b404a06 elementor-invisible\" data-id=\"b404a06\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e11c7b6 elementor-widget elementor-widget-image\" data-id=\"e11c7b6\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-question-bluegrey-filled-white-300px.png\" class=\"attachment-large size-large wp-image-8898\" alt=\"Mann mit Frage\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-question-bluegrey-filled-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-question-bluegrey-filled-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-30a65ac elementor-invisible\" data-id=\"30a65ac\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ab4c70f elementor-widget elementor-widget-text-editor\" data-id=\"ab4c70f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIf you have not identified a real estate project yet, fidem will provide you with an assessment of your borrowing capacity by establishing your personal cashflow situation and the financial plan of the project.\n<br><br>\n\nIf you start or are already in active search mode, fidem will provide you with a buyer certificate confirming your borrowing capacity for your offer for the seller or the real estate agent. This certificate demonstrates your solvability, makes you a step ahead over the other potential buyers, and often leads to a successful \u201cCompromise\u201d (Sales agreement).\n<br><br>\n\nWhen you have signed the \u201cCompromise\u201d, fidem collects all the necessary documents and prepares your loan request for submission to credit institutions.\nAfter receiving their offers, fidem identifies the relevant conditions from each proposal, makes transparent recommendations according to your preferences, and then you know why your loan contract is the best solution for your home financing.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-db18ee4 elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"db18ee4\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-92fdbb3 elementor-invisible\" data-id=\"92fdbb3\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-594def6 elementor-widget elementor-widget-heading\" data-id=\"594def6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How do we do it at <span style=\"color: #008EAA;font-weight: 500\">fidem.<\/span>?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6a802d elementor-widget elementor-widget-text-editor\" data-id=\"a6a802d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tWhen it comes to buying a home, the right loan must match your life plans and one of the keys is a comfortable monthly payment for the household. We pay as much attention to your home financing conditions than to your expected flexibility along your future projects. With so many ways to structure a home credit, it has never been so difficult to obtain the best financing fitting your living situation and your goals and desires, as ever.\n<br><br>\n\nWe consider interest rates as the tip of the iceberg of a loan contract and its structuration \u2013 security vs flexibility vs protection \u2013 is the invisible part, but also the most important during the loan lifecycle.<br><br>\nAs independent mortgage brokers, fidem is on the side of its clients to represent their interests to the banks. Our recommendations are not influenced by the credit institutions\u2019 interest.\n<br><br>\n\nAfter contacting fidem, you will have a dedicated contact person that will guide throughout the full loan process.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-62d5ee9 blog-bubbleMidBlueLeftBG-580px-resize elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"62d5ee9\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-78ac447\" data-id=\"78ac447\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-000e7e3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"000e7e3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-e98981b elementor-invisible\" data-id=\"e98981b\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ad0a91b elementor-widget elementor-widget-image\" data-id=\"ad0a91b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-question-bluegrey-filled-white-300px.png\" class=\"attachment-large size-large wp-image-8898\" alt=\"Mann mit Frage\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-question-bluegrey-filled-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-question-bluegrey-filled-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d105c9b elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"d105c9b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-931e432 elementor-invisible\" data-id=\"931e432\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-52ab1d8 elementor-widget elementor-widget-text-editor\" data-id=\"52ab1d8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you have not identified a real estate project yet, fidem will provide you with an assessment of your borrowing capacity by establishing your personal cashflow situation and the financial plan of the project.<br \/><br \/>If you start or are already in active search mode, fidem will provide you with a buyer certificate confirming your borrowing capacity for your offer for the seller or the real estate agent.<br \/><br \/>This certificate demonstrates your solvability, makes you a step ahead over the other potential buyers, and often leads to a successful \u201cCompromise\u201d (Sales agreement).<br \/><br \/>When you have signed the \u201cCompromise\u201d, fidem collects all the necessary documents and prepares your loan request for submission to credit institutions.<br \/><br \/>After receiving their offers, fidem identifies the relevant conditions from each proposal, makes transparent recommendations according to your preferences, and then you know why your loan contract is the best solution for your home financing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-efb776f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"efb776f\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-702d489\" data-id=\"702d489\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f27a720 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" 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\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(\/figma)-->\"&gt;<\/span>Why to choose a home loan broker?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f87820 elementor-widget elementor-widget-text-editor\" data-id=\"8f87820\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"white-space-collapse: preserve;\">Working with a loan broker offers you several advantages for your loan negotiation.\nThese are the most important:<\/span>\n<br><br><ul>\n \t<li>The process is fast, efficient and the least unbureaucratic.<\/li>\n \t<li style=\"margin-top:10px\">You save yourself the trip to all the banks and the associated time, effort, and multiple follow-ups with each bank that you have contacted.<\/li>\n \t<li style=\"margin-top:10px\">You only must share your personal data and submit the required loan documents only once with your broker.<\/li>\n \t<li style=\"margin-top:10px\">The probability of success that your broker will find a suitable loan offer for you is the highest. You will not miss the best bank product matching your needs.<\/li>\n \t<li style=\"margin-top:10px\">Banks are committed to offer their best conditions to brokers, because they are always put in competition with all the other banks.<\/li>\n \t<li style=\"margin-top:10px\">Broker\u2019s services are at low cost or for free.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1f46335 elementor-invisible\" data-id=\"1f46335\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-16369d0 elementor-widget elementor-widget-image\" data-id=\"16369d0\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/wallet-white-300px.png\" class=\"attachment-large size-large wp-image-8862\" alt=\"Portemonnaie\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/wallet-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/wallet-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a32404a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a32404a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-da4adbf\" data-id=\"da4adbf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5cc0d0d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5cc0d0d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-897b3fe elementor-invisible\" data-id=\"897b3fe\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0824596 elementor-widget elementor-widget-heading\" data-id=\"0824596\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How to choose your best broker?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d730fd elementor-widget elementor-widget-text-editor\" data-id=\"6d730fd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tHere are the most important questions to select your broker.\n<br><br>\n\n<span style=\"font-weight: 400;\">Is the mortgage broker registered with the local regulator (CSSF)?<\/span><br><br>\n<ul>Every real estate mortgage broker has to be registered and have an active license issued by the Commission de Surveillance du Secteur Financier (CSSF).<\/ul><br><br>\n<span style=\"font-weight: 400;\">Is the service only free of charge in case of signed loan contract?<\/span><br><br>\n<ul>As already mentioned, one of the most important criteria for reputable providers is that they do not demand any money from you in advance, or at all.<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4ac5d05 elementor-invisible\" data-id=\"4ac5d05\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-31fe764 elementor-widget elementor-widget-image\" data-id=\"31fe764\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/checklist-bluegrey-300px.png\" class=\"attachment-large size-large wp-image-8850\" alt=\"Checkliste\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/checklist-bluegrey-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/checklist-bluegrey-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e5bf78b elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e5bf78b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-90b6e6d elementor-invisible\" data-id=\"90b6e6d\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a6a56ce elementor-widget elementor-widget-image\" data-id=\"a6a56ce\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/security-bluegrey-300px.png\" class=\"attachment-large size-large wp-image-8868\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/security-bluegrey-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/security-bluegrey-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-76b38cc elementor-invisible\" data-id=\"76b38cc\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0e118fd elementor-widget elementor-widget-text-editor\" data-id=\"0e118fd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-weight: 400;\">Does the broker make unrealistic promises without key bank criteria that could affect their loan offer?<\/span><br><br>\n<ul>A transparent broker will point out the hard limits of suitable banks and the impact of the monthly repayment on your recurring incomes. The success of your loan negotiation always depends on the individual case e.g. your income, existing financial obligations, age and down payment.<\/ul><br><br><span style=\"font-weight: 400;\">Does the broker take your personal preferences and life plans into consideration?<\/span><br>\n<br><ul>A broker has no obligations to inquire your personal preferences and brokers focusing on quantity over quality would rather avoid this time-consuming approach. A professional broker will not avoid these aspects as it can significantly leverage a competitive loan structuration.<\/ul>\n<br><br><span style=\"font-weight: 400;\">Does the broker tell you that collateral is important?<\/span><br><br>\n<ul>Only questionable advisors claim that collateral does not matter. Potential collaterals include your own income, a guarantee, savings, real estate or a second borrower. If advisors make you only focus on the interest rate to recommend an offer over the other ones, the level of service quality becomes questionable as well.<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3bd37ec elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3bd37ec\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d36d313 elementor-invisible\" data-id=\"d36d313\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f57401 elementor-widget elementor-widget-text-editor\" data-id=\"7f57401\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-weight: 400;\">Is the website professionally designed?<\/span><br><br>\n<ul>Providers with unprofessional websites, limited explanatory contents, inconsistent online presence, or lack of transparency in their services terms and conditions should be alarming to you.<\/ul><br><br>\n<span style=\"font-weight: 400;\">Are there positive reviews?<\/span><br><br>\n<ul>Successful and reputable service providers have appropriate and explanatory references. But beware: there are also fake reviews and seals of approval. It is best to get different opinions, for example, in independent forums and from the consumer centre.<\/ul><br><br>\n<span style=\"font-weight: 400;\">Does the credit broker propose both online and in person meeting availabilities?<\/span><br><br>\n<ul>Transparent and modern providers should be able to propose both approaches for meetings and be available to answer your questions.<\/ul>\n<br><br>Be sure to go through this checklist before choosing a particular loan broker.<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e9f7441 elementor-invisible\" data-id=\"e9f7441\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-824839e elementor-widget elementor-widget-image\" data-id=\"824839e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/award-bluegrey-300px.png\" class=\"attachment-large size-large wp-image-8865\" alt=\"Ausgezeichnet\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/award-bluegrey-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/award-bluegrey-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-008c658 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"008c658\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a99bfd6\" data-id=\"a99bfd6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a247101 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a247101\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2cb7504 elementor-invisible\" data-id=\"2cb7504\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-252c435 elementor-widget elementor-widget-image\" data-id=\"252c435\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/magnifying-glass-white-300px-1.png\" class=\"attachment-large size-large wp-image-8874\" alt=\"Lupe\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/magnifying-glass-white-300px-1.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/magnifying-glass-white-300px-1-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2523145 elementor-invisible\" data-id=\"2523145\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3ceb727 elementor-widget elementor-widget-heading\" data-id=\"3ceb727\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Why to choose <span style=\"color: #008EAA;font-weight: 500\">fidem.<\/span> as your home loan broker?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53efd09 elementor-widget elementor-widget-text-editor\" data-id=\"53efd09\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-weight: 400;\">Our services are free of charge.<\/span><br><br><ul>\nfidem work is compensated by the bank you choose. That is why we are interested in negotiating not just any offer, but the best offer for you.<\/ul><br><br>\n\n<span style=\"font-weight: 400;\">\nOne meeting with fidem replaces multiple bank appointments.<\/span><br><br><ul>\nfidem is your golden ticket to a wide range of financial institutions in Luxembourg and abroad. We have access to all loan products, and we make sure that we match the right home financing with your needs.\n<\/ul>\n<br><br>\n<span style=\"font-weight: 400;\">Dedicated and licensed professionals<\/span><br><br><ul>\nfidem is licensed (as independent credit intermediary entity by the CSSF. As one of leading mortgage broker company, we have highly educated advisors with a strong experience in financial sector in Luxembourg. Our goal is to give you the best recommendations for your home financing solution.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2e182e8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2e182e8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f7a8fd1 elementor-invisible\" data-id=\"f7a8fd1\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d2e3fa1 elementor-widget elementor-widget-text-editor\" data-id=\"d2e3fa1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-weight: 400;\">No bullshit &#8211; unrealistic promises are unproductive.<\/span><br><br><ul>\nfidem gives you transparent feedback at the first meeting, clearly identifying and explaining the limits of your credit application with factual numbers. False hopes are a time loss for you and for us as well.<\/ul><br><br>\n\n<span style=\"font-weight: 400;\">\nYour Life plans, our first priority!<\/span><br><br><ul>\nfidem cares about matching your life plans with the applicable obligations from signing a mortgage loan contract. We consider your future needs, the guarantees to provide, and the conditions arising from the banks offers, e.g. any required life insurance.<\/ul>\n<br><br>\n<span style=\"font-weight: 400;\">\nDesigned for your best understanding.<\/span><br><br><ul>\nfidem content is constantly evolving. We reflect your needs to provide the most transparent understanding of your loan assessment and application process on our website and social media.<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d518d06 elementor-invisible\" data-id=\"d518d06\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d29e2e1 elementor-widget elementor-widget-image\" data-id=\"d29e2e1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/expectations-white-v2-300px.png\" class=\"attachment-large size-large wp-image-9001\" alt=\"Erwartungen\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/expectations-white-v2-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/expectations-white-v2-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1fea403 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1fea403\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-eb3d904 elementor-invisible\" data-id=\"eb3d904\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fbc5361 elementor-widget elementor-widget-image\" data-id=\"fbc5361\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/like-white-300px.png\" class=\"attachment-large size-large wp-image-8877\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/like-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/like-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-09eac83 elementor-invisible\" data-id=\"09eac83\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d26a2a4 elementor-widget elementor-widget-text-editor\" data-id=\"d26a2a4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-weight: 400;\">Happy clients are great ambassadors.<\/span><br><br>\n<ul>\nWe proudly believe that our clients\u2019 reviews reflect the quality of our services. There are the best rewards for our expertise and our dedicated involvement.\n<\/ul>\n<br>\n<ul>\nYou want to know what other customers say about fidem? Have a look at their reviews on <a href=\"https:\/\/g.page\/r\/CWxh_xoyrQ-YEAg\/review\">Google<\/a> and on <a href=\"https:\/\/uk.trustpilot.com\/review\/fidem.lu\">Trustpilot<\/a>.<\/ul>\n<br><br>\n<span style=\"font-weight: 400;\">\nDigital, online and IRL.<\/span><br><br>\n<ul>As a fidem client, you will appreciate our prompt response and our availability outside the traditional bank opening hours. Do not take day-offs to prepare and negotiate your mortgage. fidem is a paperless loan broker, you will have 24\/7 access to your secured client folder to facilitate data transfer. To analyse, discuss and review your loan process, we can meet online and available IRL (in-real-life).<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-df69200 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"df69200\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e9d355c elementor-invisible\" data-id=\"e9d355c\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-83379b6 elementor-widget elementor-widget-text-editor\" data-id=\"83379b6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-weight: 400;\">Our independence makes the whole difference for your loan.<\/span><br><br><ul>\nAs independent broker, fidem helps you navigate through the full loan process. We provide expert advice every step of your real estate project. We are not tied to any bank, our goal is to find the best financing solution for your project. Thus, unlike a bank advisor, fidem not limited to any specific bank and their products.\n<\/ul>\n<br><br>\n<span style=\"font-weight: 400;\">You are not married to your bank!<\/span><br><br><ul>\nIf you are searching for a home financing solution, we are now experiencing the \u201cproduct complexity jungle\u201d. The recent market evolutions make necessary to compare the different bank loan products more than ever, fidem is your free guide across this jungle, and your free guide also negotiate the best conditions for you.<\/ul><br><br>\n\n<span style=\"font-weight: 400;\">\nBest offer at first shot<\/span><br><br><ul>\nBanks are committed to fidem to deliver their best offer, and they know that your credit request has been sent to their competitors.<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-587f986 elementor-invisible\" data-id=\"587f986\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-af2064e elementor-widget elementor-widget-image\" data-id=\"af2064e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/compare-white-300px.png\" class=\"attachment-large size-large wp-image-8880\" alt=\"Vergleich\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/compare-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/compare-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cdadee4 bubblesBG elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cdadee4\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d54e6aa\" data-id=\"d54e6aa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-500dee9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"500dee9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-98dc383\" data-id=\"98dc383\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fcf2546 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"fcf2546\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-large\">KEY TAKEAWAYS<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7eb998f elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"7eb998f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-large\">WHY TO CHOSE FIDEM AS YOUR MORTGAGE BROKER:<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-699a521 divider-blue elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"699a521\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6d04776 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"6d04776\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ee128e2\" data-id=\"ee128e2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28a0b75 elementor-widget elementor-widget-heading\" data-id=\"28a0b75\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">1<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8a3ed09\" data-id=\"8a3ed09\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-189cfd3 elementor-widget elementor-widget-text-editor\" data-id=\"189cfd3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"white-space-collapse: preserve;\">Tailormade analysis of your\nsituation and loan capacity<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-85176d5 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"85176d5\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-41ff379\" data-id=\"41ff379\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1ed911b elementor-widget elementor-widget-heading\" data-id=\"1ed911b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">2<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3f7692c\" data-id=\"3f7692c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-72d058a elementor-widget elementor-widget-text-editor\" data-id=\"72d058a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"white-space-collapse: preserve;\">Experts guiding you across the \nfinancial product complexity jungle<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9d9d225 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"9d9d225\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f70e9cd\" data-id=\"f70e9cd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ae51b98 elementor-widget elementor-widget-heading\" data-id=\"ae51b98\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">3<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b18095d\" data-id=\"b18095d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2eddb86 elementor-widget elementor-widget-text-editor\" data-id=\"2eddb86\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"white-space-collapse: preserve;\">Saving time and effort to \nprepare your loan application<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-70bb0c5 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"70bb0c5\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-36240d2\" data-id=\"36240d2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ddf961 elementor-widget elementor-widget-heading\" data-id=\"4ddf961\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">4<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6c16562\" data-id=\"6c16562\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9fa1af7 elementor-widget elementor-widget-text-editor\" data-id=\"9fa1af7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"white-space-collapse: preserve;\">One dedicated contact person \nto reach out the banks<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-39d0213 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"39d0213\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-99d1ad7\" data-id=\"99d1ad7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cdea40d elementor-widget elementor-widget-heading\" data-id=\"cdea40d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">5<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0c027ab\" data-id=\"0c027ab\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-73cd536 elementor-widget elementor-widget-text-editor\" data-id=\"73cd536\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"white-space-collapse: preserve;\">Independent and transparent \noffers comparison<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-274c7f2 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"274c7f2\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-bc14874\" data-id=\"bc14874\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0c9e392 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0c9e392\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\"><span style=\"color: #008EAA;font-weight: 500\">fidem.<\/span> does all the above personalized, swift, and free of charge.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8cc39e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8cc39e7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d94b36b\" data-id=\"d94b36b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e9f6c37 elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"e9f6c37\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/contact\" id=\"front_contact_steps\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book your appointment now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Mortgage broker Your shortest way to the best real estate financing A credit broker is a service provider that refers consumers to lending institutions and banks. The mission is to assist you in finding a suitable mortgage loan for your financing needs. Your need for these services arises from the number of banking products and&hellip;&nbsp;<a href=\"https:\/\/www.fidem.lu\/en\/mortgage-broker\/\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">mortgage-broker<\/span><\/a><\/p>\n","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-pagebuilder-full-width.php","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"off","neve_meta_content_width":100,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","neve_meta_reading_time":"","footnotes":""},"class_list":["post-8801","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why to choose a mortgage broker | fidem.<\/title>\n<meta name=\"description\" content=\"5 reasons to choose a mortgage broker for your home loan. Benefit from many advantages like expertise, time and best home loan offers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fidem.lu\/en\/mortgage-broker\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why to choose a mortgage broker | fidem.\" \/>\n<meta property=\"og:description\" content=\"5 reasons to choose a mortgage broker for your home loan. 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