Licensing and supervision

Anyone who passes on a client puts their own name behind it. So this page lists not only our details but also the authorities where you can verify every single one of them yourself.

What licence does Perini Finance & Property hold and where can I verify it?

Perini Finance & Property operates under the licence held by Olga Nikushkina as a mortgage credit intermediary pursuant to § 34i(1) sentence 1 of the German Trade Regulation Act, supplemented by § 34c GewO for other loans. The entry in the German intermediary register carries the number D-W-132-ZUCB-95 and has existed since 26 September 2016. The competent licensing and register authority is the IHK Mittlerer Niederrhein in Krefeld. For activity in Spain the licence is § 34i GewO; in Portugal the transaction is handled through a locally licensed intermediary. Siegfried Perini is entered in the register as a person directly involved in brokerage and advice. Every entry can be verified free of charge in the public register. No fee-based advice is provided; remuneration is a success-based brokerage fee of 1 % of the loan amount, paid by the client — no bank commission.

In short

Licensing of Perini Finance & Property: four points

Which licence is held?

Mortgage credit intermediary under § 34i(1) sentence 1 GewO, issued by the IHK Mittlerer Niederrhein; plus § 34c GewO for other loans. Licence holder is Olga Nikushkina, Perini Finance & Property.

Does the licence cover Spain?

Yes — for Spain the activity is § 34i GewO, visible in the register field "active in". There is no Spanish company; the service is provided cross-border from Germany.

And Portugal?

Local intermediation is carried out by a locally licensed intermediary in Portugal under their own licence; advice and case management stay with us.

Where can I verify this myself?

In the public intermediary register at vermittlerregister.info, registration number D-W-132-ZUCB-95, registered since 26 September 2016 — with Siegfried Perini entered as person involved under § 11a(1) GewO.

The details

Licence, register and supervision — as entered
Item	Entry	Verifiable at
Licence holder	Olga Nikushkina, Perini Finance & Property	intermediary register
Licence	Mortgage credit intermediary, § 34i(1) sentence 1 GewO	IHK Mittlerer Niederrhein
Registration number	D-W-132-ZUCB-95 (§ 11a(1) GewO)	vermittlerregister.info
Registered since	26 September 2016	intermediary register
Further licence	§ 34c GewO for the intermediation of other loans	IHK Mittlerer Niederrhein
Licensing and register authority	IHK Mittlerer Niederrhein, Nordwall 39, 47798 Krefeld	mittlerer-niederrhein.ihk.de
Activity in Spain	§ 34i GewO	register, field "active in"
Person involved	Siegfried Perini, entered under § 11a(1) GewO	intermediary register
Professional indemnity	Allianz Deutschland AG, Königinstraße 28, 80802 Munich	evidence on request
Territorial scope	European Economic Area (EEA)	evidence on request

The German intermediary register under § 11a GewO is public and free to search at vermittlerregister.info. You can search by registration number or by name. The entry shows the type of licence, the competent authority, the employees involved in brokerage, and the member states in which the licence holder is active.

Spain and Portugal — what exactly applies

The licence is German. For activity in Spain it is notified under § 34i(4) GewO via the Federal Office for Economic Affairs and Export Control as the national contact point. That is why we work directly with Spanish banks there, without an intermediate party.

In Portugal the transaction is handled through a locally licensed intermediary. The reason is practical: Portuguese banks only deal directly with a foreign intermediary above certain volumes. The advice and the case management stay with us; the local intermediation is carried out by the partner under their own licence.

We spell this out because the two are regularly confused — and because a professional who refers a client should know which arrangement they are passing on.

What we expressly are not

Not a fee-based adviser. Under § 34i GewO, mortgage credit intermediation and fee-based mortgage advice are mutually exclusive. We are an intermediary; our remuneration is a success-based brokerage fee (1 % of the loan amount, paid by the client, no bank commission) — not fee-based mortgage advice in the sense of § 34i GewO.
Not legal or tax advisers. We point out where a tax or legal question arises; we do not answer it.
Not investment advisers under § 34f GewO. No such licence is held and no such activity is carried out.
Not a bank. We do not grant loans, we arrange them.

Dispute resolution: We are neither obliged nor willing to participate in dispute resolution proceedings before a consumer arbitration board.

Questions about licensing

Why is this not simply in the legal notice?

It is there too. The legal notice covers the mandatory disclosures under § 5 DDG. This page does something else: it explains what the entries mean and where to verify them — for professionals who need an answer before making a referral, not just an address.

What does "person involved" mean in the register?

Employees directly involved in brokerage or advice are entered in the intermediary register under § 11a(1) GewO. For perini.es this applies to Siegfried Perini. Your contact on the ground is therefore not merely an address but registered and attached to the licence.

Does referring a client make me a regulated intermediary?

No, as long as you only establish contact or name the possibility of a contract — that remains licence-free referral. A licence becomes necessary only once you carry out administrative work for the borrower, such as assembling the documents. Set out in detail on the page for partners and cooperations.

Is there a Spanish company?

No. No Spanish corporate entity exists. Activity in Spain is provided as a cross-border service from Germany, with the registered seat in Krefeld and a presence on the ground since 2019.

Checked something and still unsure?

If an entry does not match what you see in the register, tell us — we would rather clear that up beforehand than afterwards.

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Next: For partners and cooperations · Siegfried Perini — adviser profile · Legal notice

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.

Last updated: July 25, 2026

What the licence means in practice for a purchase — lender panel, loan-to-value and who pays the broker — is set out on non-resident mortgage in Spain.