The buyer is set, the bank isn't
Reservation is done, notary appointment is planned — and the buyer's bank goes quiet or declines. We take the case on exactly where it stands.
For partners · estate agents · developers · insurance brokers
You refer. We finance. Your client stays your client.
We don't sell property, insurance or investment products. So there is no competition between us — instead, we take on the part of the deal where transactions most often fail.
How does a mortgage broker cooperation work for estate agents?
The partner makes the introduction, the broker handles the mortgage brokerage in full. For estate agents, developers and insurance brokers that means: you hand off the case and keep your client. Perini Finance & Property operates under a §34i GewO licence, registered in the German brokers' register under D-W-132-ZUCB-95. We specialise in mortgage cases that fall through in a standard branch-bank process. That includes foreign-income clients, Germans abroad, expats, cross-border commuters, self-employed applicants, doctors and property investors, as well as commercial and developer finance. Brokerage remains free for the client and is paid by the lending bank. The partner's share is agreed in writing and success-based. As long as the partner only makes the introduction and doesn't advise on the financing, that activity stays licence-free. An assessment of feasibility comes back before the client builds an expectation.
Three starting points
Estate agents
Developers & project sponsors
Insurance brokers
Who works with us
Buyer financing as a sales risk
A buyer whose financing falls through costs you a construction phase and your schedule. We pre-screen your prospects and see them through to disbursement. Project finance →
Licensed under §34d, not §34i
Your client mentions a house purchase, and you're not licensed to arrange the financing. Instead of losing the contact to a bank, you hand it into a named cooperation.
What we take on
We specialise in the cases that fall through in a standard branch-bank process. On top of that comes the bank comparison: beyond the usual platform connections, we maintain direct contacts with lenders not listed on comparison portals at all — regional institutions and specialist lenders you won't find without that connection. Every point below links to the page that explains it — here we deliberately only state what's possible.
- International income and expat clients
- Germans abroad — income in foreign currency, employment outside the EU
- Cross-border commuters — residence and workplace in different countries
- Self-employed and freelancers — short track record, variable income
- Doctors and healthcare professionals — practice, healthcare property, start-up subsidies
- Property investors — portfolio growth, loan-to-value on existing assets
- KfW and state subsidy programmes — combined, not just mentioned
- Commercial, acquisition and existing-asset finance
- Renovation, care-home properties, separation and payout situations
What usually causes the problem before we step in
Declines rarely happen because a client can't afford the property. They happen because a case doesn't fit a template: income earned abroad that a bank won't assess. A purchase structure that differs from the bank's own valuation. A loan-to-value ratio just above a rate threshold. A subsidy that has to be applied for alongside the loan, with a deadline nobody tracked.
These are processing issues, not creditworthiness issues. Whoever knows them places the case differently with another lender — and gets an approval where there was a decline before. That's exactly why it pays to bring us in early rather than as a last resort.
Equally honest: we decline cases too. If a case doesn't work, you'll hear that from us early and with a reason — worth more for your planning than a maybe that costs you three weeks.
What you get from us
Assessment before you promise your client anything
Key figures are enough. You'll know whether and how the case can be structured before your client builds expectations.
One fixed point of contact
No call centre, no rotating responsibility. You know who is handling your case and reach the same person again.
Materials that save you work
Checklists and calculators you can pass on to your clients, available in German and English. Calculators & tools →
Proof of funds for your sellers
On request, we issue a financing certificate that shows a seller your buyer is solvent — useful whenever a reservation depends on proof of funding.
Compensation and licensing
Nothing changes for your client: the brokerage is free of charge for them and paid by the lending bank. How exactly that works is explained on the fee page.
For you as a partner, we agree the arrangement individually and in writing — by agreement, success-based, payable on completion. No payment for clicks, none for forwarded contacts without an actual project. We deliberately name no percentage here, because the right structure depends on the type of case and effort involved.
Important for your own licensing position: you make the introduction — nothing more. You don't advise on the financing, don't collect documents and don't pass on rates. In that form, the referral remains licence-free for you; the brokerage itself, and the responsibility for it, sits entirely with us. We set this out explicitly in the agreement.
Licence and supervision
- Licensed as a residential mortgage credit intermediary under §34i GewO, plus §34c GewO
- Registered in the German brokers' register under D-W-132-ZUCB-95, publicly verifiable
- Professional indemnity insurance with Allianz Deutschland AG
- Licence holder: Olga Nikushkina
For financing in Spain and Portugal we operate under the same licence via perini.es — relevant whenever your client is buying, or already owns property, abroad.
What we don't take on
- No property sales, no property sourcing, no approaching your clients on our own behalf
- No consumer loans and no debt consolidation without a property connection
- No cases without a concrete project — we don't process plain contact lists
- No financing against upfront payment or processing fees from the client
Frequently asked by partners
Will you approach my client directly afterwards?
No. We handle the case you give us and neither advertise further services nor our own offers to your client in that context. We don't sell property, so we're never in competition with you afterwards either.
Do I need my own licence to refer a client?
As long as you only make the introduction and don't advise on the financing yourself, the activity remains licence-free. Once someone starts collecting documents, passing on rates or recommending products, it looks different. We set that boundary out in writing in the agreement.
What does the cooperation cost me?
Nothing. There's no joining fee, no minimum volume and no exclusivity. You can send us one case and none for years afterwards without any consequence.
How fast do I get an initial response?
You'll get a feasibility assessment after we've reviewed the key figures, usually the same or the following business day. How long the bank takes after that depends on the lender and how complete the documents are.
My client already has a decline. Is that a dead end?
Not necessarily. A decline is one lender's decision on a particular way of presenting the case, not a verdict on the market. It matters that we know who has already applied — multiple applications at different banks worsen the starting position.
Can we speak with the client together?
Gladly, and in many cases that's the fastest route. You stay visibly the agent for the property — we act as your financing partner, not in your place.
Describe the case instead of filling in a form
Send me the key figures via WhatsApp — property, purchase price, loan amount range, income situation and residence of the client — or book a 30-minute call directly. You'll get an assessment back before your client builds an expectation.
Or by phone: +49 2151 3293344
Related: our bank comparison · FAQ · case reports from completed deals