Our services get you the best mortgage at the best rate. And many other advantages besides. In a very tight market, choosing to be guided by experts pays off!
Becoming a homeowner in the Grand Duchy, or selling one home to buy another, more expensive one, is anything but straightforward. There are fewer properties for sale than there are buyers, hence rising prices.
And once you have found the rare gem, there is no time to lose. Sellers logically favour buyers who do not have to wait weeks before producing all the necessary guarantees.
Hence the value of turning to our brokerage firm. Not only will you obtain advantageous rates, you will also be supported throughout the process.
A solution too few people know about
And yet too few private individuals use a broker. As a rule, they turn automatically to the bank that holds their current account and their savings. No doubt they also think, having heard it so often, that with rates historically low there is no point making life complicated … Yet that means missing out on considerable savings. The arithmetic is simple: on a loan of €600,000 repayable over 30 years, the difference in cost between a rate of 1.2% and a rate of 1.3% is more than €10,000 … Food for thought, isn’t it?
But there are other advantages. Our way of working is simple: with many partner banks (all authorised by the government authorities, some very well known to the general public, others more used to dealing with professionals), we are in direct contact with the decision-makers. No need to go through the branches. And because our partners know us, we get answers (that is, offers) very quickly and, from the outset, these banks give us their best offer (they are well aware that we have approached competing banks).
That efficiency — the best rate in record time — is no accident.
Free and all-inclusive
Not only have we built relationships of trust with our banking contacts, but beforehand we of course support clients in putting their application together (on every administrative aspect, such as applying for the state guarantee …).
But there is better still: not only is our brokerage firm not tied exclusively to any bank (which guarantees our independence), but our services are free! Indeed, where an agreement is reached, it is the banks that pay us a commission, not our clients!
And since we are not in the habit of doing things by halves, we also offer an “All Inclusive” service: in practice, either the client signs an insurance contract with the bank, which resells that product, or they prefer to trust us as well to propose effective policies at the best price … From then on, we remain their point of contact for all the insurance taken out through our brokerage firm (mortgage protection insurance for the loan itself, but also standard home insurance for the property purchased …). A single point of contact is obviously simpler!
Experience and expertise
Another argument to bear in mind: for us, financing property transactions is 100% what we do! Experience and expertise that we place at your service! For all their goodwill, your usual bank contact has to juggle the management of your accounts, your savings products, your payment cards, your loans and your consumer credit! They are a generalist, and therefore not a specialist in property finance.
And because we are confident you can trust us, you remain free: all our offers are without obligation. You are entitled to turn down our offers if they do not suit you. That is a principle, though in practice it is unlikely to happen!
Finally, note that there is no point approaching several brokers: the dozen or so banks offering mortgages in the Grand Duchy will only process an application once. If they receive several requests concerning the same transaction, only the first will be examined. What is more, it risks disrupting and delaying the process: banks do not appreciate the extra workload it creates.
Respect for privacy
We hold an authorisation from the CSSF (Commission de surveillance du secteur financier) for mortgage brokerage. We are monitored and supervised by the CSSF and must observe banking secrecy in the same way as the banks. All documents and information that clients entrust to us are handled in accordance with professional and banking secrecy and are not shared with third parties without the client’s prior agreement.
