Adviser profile: who advises you on the ground in Spain and Portugal?
For tax advisers, lawyers, wealth managers and estate agents who want to know who they are passing a client to. Every checkable entry is on this page; the PDF condenses it for the client file.
What does the adviser profile show about advice in Spain and Portugal?
The adviser profile shows who advises on the ground: Siegfried Perini, local carrier of the perini.es brand since 2019 and in property since 1992, with advice in person in Gandia. The licence holder is Olga Nikushkina, § 34i GewO since 2016, and the registered office is in Krefeld. Every case goes out to 30+ institutions.
What you get
The entries above are openly on this page. The PDF is the same information on two pages — page 1 in German, page 2 in English, laid out to print and file — useful when the referral has to be documented in the client file.
- Adviser profile · 2 pages (German and English), PDF, as at July 2026
- Straight to your inbox · as an attachment
Adviser short profile for professional referrers (PDF, 2 pages, German and English) — open it directly, no form.
Siegfried Perini in brief: four points
Siegfried Perini is the contact on the ground and carrier of the perini.es brand locally since 2019, in property since 1992. He advises in person in Gandia, in German, English and Spanish.
- Who is Siegfried Perini? Contact on the ground and carrier of the perini.es brand locally since 2019, in property since 1992 — entered in the German intermediary register as a contributing person under § 11a (1) GewO. Advice in person in Gandia; registered office in Krefeld.
- Under which licence does he work? Perini Finance & Property — licence holder Olga Nikushkina, § 34i GewO since 2016, register D-W-132-ZUCB-95; Portugal through a locally licensed intermediary.
- What is the coverage? Property finance in Spain and Portugal for clients whose tax residence is outside the country of purchase, plus finance in Germany for non-resident taxpayers; focus on loans from roughly €300,000 — we broker smaller loans too. Every case goes out to 30+ institutions.
- In which languages? Advice and the bank process in German, English and Spanish; in Portugal also Portuguese through the locally licensed intermediary. The process in Spain.
Who works here
Siegfried Perini is the contact on the ground, and the licence holder is Olga Nikushkina, mortgage credit intermediary under § 34i GewO since 2016. The registered office is in Krefeld, with advice in person in Gandia.
Contact on the ground — Siegfried Perini, carrying the perini.es brand locally since 2019, working in property since 1992 — entered in the German intermediary register as a contributing person under § 11a (1) GewO; Licence holder — Olga Nikushkina, sole trader Perini Finance & Property, mortgage credit intermediary under § 34i GewO since 2016; Seat and presence — Registered office Oberstraße 3, 47829 Krefeld, Germany; advice in person in Gandia, Spain.
There is no Spanish company — activity in Spain is a cross-border service out of Germany.; Languages — perini.es runs five languages in all (French and Russian in addition).; Coverage — Property finance in Spain and Portugal for clients whose tax residence is outside the country of purchase — and finance in Germany for non-resident taxpayers; Typical size — Focus on loans from roughly €300,000 — smaller loans too.
What we do
The focus is on cases a standard bank turns down. Every case goes out to 30+ institutions; which house writes which structure is part of the mandate and is not published here.
- Purchase financing for non-residents: Spanish bank lending of up to 70 % of the lower of purchase price and tasación.
- Releasing capital from property already owned: A paid-off property frees up capital without a sale. For non-residents, only a fraction of institutions write this.
- New builds with developer stage payments during construction: The gap most new-build purchases fail on — not creditworthiness, but having to front the money.
- Combining both countries: Spanish bank against the property, German property for the remainder and the purchase costs, ranking behind an existing charge if need be.
Licence, registration and supervision
The licence is for mortgage credit intermediation under § 34i (1) sentence 1 GewO, register number D-W-132-ZUCB-95. The licensing and register authority is IHK Mittlerer Niederrhein, and every entry can be checked in the German intermediary register.
Licence, register and supervision — with the body where you can verify it yourself: Licence holder — Entry: Olga Nikushkina, Perini Finance & Property; Verify at: German intermediary register.
Licence — Entry: Mortgage credit intermediary, § 34i (1) sentence 1 GewO; plus § 34c GewO; Verify at: IHK Mittlerer Niederrhein. Register number — Entry: D-W-132-ZUCB-95 (§ 11a (1) GewO); Verify at: vermittlerregister.info. Registered since — Entry: 26 September 2016; Verify at: German intermediary register.
Licensing and register authority — Entry: IHK Mittlerer Niederrhein, Nordwall 39, 47798 Krefeld, Germany; Verify at: mittlerer-niederrhein.ihk.de. Spain — Entry: § 34i GewO — direct access to Spanish banks; Verify at: register entry, field “active in”.
Portugal — Entry: handled through a locally licensed intermediary; Verify at: on request. Registered contributing person — Entry: Siegfried Perini, registered under § 11a (1) GewO; Verify at: German intermediary register.
Professional indemnity insurance — Entry: Allianz Deutschland AG, Munich — cover across the EEA; Verify at: evidence on request.
Every entry can be checked free of charge in the public German intermediary register under § 11a GewO at vermittlerregister.info — search by register number or by name. The entry shows the type of licence, the competent authority, registered contributing staff and the states in which the licence holder operates. In full: regulatory status.
Does referring a client make you licensable?
No, as long as you name the opportunity or put people in touch — that stays a licence-free referral. It becomes licensable only once administrative work is taken on for the borrower, such as helping to assemble documents or to fill in applications. That is precisely the work we do. This restates the applicable distinction; it is not legal advice.
What we expressly do not do: No fee-based advice. Under § 34i GewO, brokerage and fee-based mortgage advice are mutually exclusive. No legal or tax advice. We point out where your question lands; we do not answer it. No investment advice under § 34f GewO and no lending of our own — we are not a bank. No small loans for renovation or conversion work.
Next: for partners and referrals · regulatory status in detail · our fee
No financing commitment. Terms depend on creditworthiness, property and bank.
Frequently asked questions
How do I get the adviser profile?
Free as a PDF, two pages, German and English — open it directly or get it by email via the form on this page.
Where can I verify the § 34i GewO licence of Perini Finance & Property?
Every entry can be checked free of charge in the public German intermediary register under § 11a GewO, by register number or by name. The register number is D-W-132-ZUCB-95.
Which services does Perini Finance & Property expressly not offer?
We offer no fee-based advice, no legal or tax advice and no investment advice under § 34f GewO. We do no lending of our own, because we are not a bank, and we arrange no small loans for renovation or conversion work.
Related pages
The process in Spain
Buying property in Spain step by step: the right order for financing, arras and the escritura — and why the condición suspensiva is the lever.
regulatory status
Licence under § 34i GewO, register D-W-132-ZUCB-95 — verify every entry yourself with the authorities before you recommend Perini to a client.
for partners and referrals
Mortgage broker in Spain for partners: you have the contact, the financing is missing. For estate agents, developers, insurance brokers and advisers.
Content by Siegfried Perini — local brand representative since 2019, active in real estate since 1992, entered in the German intermediary register (§ 11a GewO) as a person directly involved in brokerage and advice. Point of contact for German-speaking buyers in Spain and Portugal. Brokerage by Olga Nikushkina, mortgage credit intermediary under § 34i German Trade Regulation (GewO); in Portugal through a locally licensed intermediary.