Purchase financing for non-residents
Spanish bank lending of up to 70 % of the lower of purchase price and tasación.
Adviser profile · Free
Siegfried Perini — licence, background and coverage
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 onto a single sheet for the client file.
People and background
Who works here
- Contact on the groundSiegfried 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 holderOlga Nikushkina, sole trader Perini Finance & Property, mortgage credit intermediary under § 34i GewO since 2016
- Seat and presenceRegistered office Oberstraße 3, 47829 Krefeld, Germany; advice in person in Gandia, Spain. There is no Spanish company — activity in Spain is a notified cross-border service out of Germany.
- LanguagesAdvice and the bank process in German, English and Spanish; in Portugal also Portuguese through the locally licensed intermediary. perini.es runs six languages in all (French, Dutch and Russian in addition).
- CoverageProperty 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 sizeFocus on loans from roughly €300,000
Focus
What we do
The focus is on cases a standard bank turns down. Every case goes out to 15 to 20 institutions; which house writes which structure is part of the mandate and is not published here.
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.
Checkable
Licence, registration and supervision
| Item | Entry | Verify at |
|---|---|---|
| Licence holder | Olga Nikushkina, Perini Finance & Property | German intermediary register |
| Licence | Mortgage credit intermediary, § 34i (1) sentence 1 GewO; plus § 34c GewO | IHK Mittlerer Niederrhein |
| Register number | D-W-132-ZUCB-95 (§ 11a (1) GewO) | vermittlerregister.info |
| Registered since | 26 September 2016 | German intermediary register |
| Licensing and register authority | IHK Mittlerer Niederrhein, Nordwall 39, 47798 Krefeld, Germany | mittlerer-niederrhein.ihk.de |
| Spain | notified under § 34i (4) GewO via the BAFA — direct access to Spanish banks | register entry, field „active in“ |
| Portugal | handled through a locally licensed intermediary | on request |
| Registered contributing person | Siegfried Perini, registered under § 11a (1) GewO | German intermediary register |
| Professional indemnity insurance | Allianz Deutschland AG, Munich — cover across the EEA | 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.
For professionals
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
What you get
The entries above are openly on this page. The PDF is the same information on one page, laid out to print and file — useful when the referral has to be documented in the client file. The one-pager is in German.
- Adviser profile · 1 page, PDF, as at July 2026
- Straight to your inbox · as an attachment
Adviser short profile for professional referrers (PDF, 1 page) — open it directly, no form.
No financing commitment. Terms depend on creditworthiness, property and bank.