Licence under § 34i GewO: how to check us before you recommend us
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 under § 34i GewO do you hold, and where can I verify it?
Perini Finance & Property operates under the licence of Olga Nikushkina as a mortgage credit intermediary under § 34i(1) sentence 1 GewO. The register entry number is D-W-132-ZUCB-95, and the competent authority is the IHK Mittlerer Niederrhein in Krefeld. Every entry can be verified free of charge in the public register.
Who holds the licence, and which authority issued it?
Olga Nikushkina, Perini Finance & Property, holds the licence as mortgage credit intermediary under § 34i(1) sentence 1 GewO, issued by the IHK Mittlerer Niederrhein, plus § 34c GewO for other loans.
Does the licence cover Spain? Yes — for Spain the activity is § 34i GewO, visible in the register field ‘active in’. Olga Nikushkina is entered with the Banco de España under code D559. There is no Spanish company; the service is provided cross-border from Germany.
Is the licence valid in Spain?
Yes — activity abroad is shown in the Vermittlerregister in the field ‘tätig in’. Olga Nikushkina is registered with the Banco de España under code D559. There is no Spanish company; the service is provided on a cross-border basis from Germany.
And in Portugal? Brokerage on the ground is handled by an intermediary licensed in Portugal with their own licence; advice and support remain with us.
Where can I check this myself?
In the public register of intermediaries (Vermittlerregister) at vermittlerregister.info, registration number D-W-132-ZUCB-95, registered since 26 September 2016 — with Siegfried Perini as a contributing person under § 11a Abs. 1 GewO.
- Licence, register and supervision — Registration status: Licence holder — Details: Olga Nikushkina, Perini Finance & Property; Verifiable at: Vermittlerregister. Licence — Details: Property loan intermediary, § 34i Abs. 1 Satz 1 GewO; Verifiable at: IHK Mittlerer Niederrhein.
- Registration number — Details: D-W-132-ZUCB-95 (§ 11a Abs. 1 GewO); Verifiable at: vermittlerregister.info. Registered since — Details: 26 September 2016; Verifiable at: Vermittlerregister. Additional licence — Details: § 34c GewO for the brokering of other loans; Verifiable at: IHK Mittlerer Niederrhein.
- Licensing and registration authority — Details: IHK Mittlerer Niederrhein, Nordwall 39, 47798 Krefeld; Verifiable at: mittlerer-niederrhein.ihk.de. Activity abroad: Spain — Details: § 34i GewO; Verifiable at: Vermittlerregister, field ‘tätig in’.
- Banco de España entry — Details: Code D559, EU-based mortgage broker operating under the freedom to provide services, since 25 November 2021; Verifiable at: app.bde.es (Registro de entidades). Contributing person — Details: Siegfried Perini, registered under § 11a Abs. 1 GewO; Verifiable at: Vermittlerregister.
- Professional indemnity insurance (Berufshaftpflicht) — Details: Allianz Deutschland AG, Königinstraße 28, 80802 Munich; Verifiable by: Proof available on request. Geographical scope — Details: European Economic Area (EEA); Verifiable by: Proof available on request.
Who handles the mortgage intermediation in 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.
Which details are entered in the register?
Licence, register and supervision are entered under registration number D-W-132-ZUCB-95, registered since 26 September 2016. The German intermediary register is public and free to search by registration number or by name.
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.
How is the German licence notified for activity in Spain?
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, and entered in the Banco de España register under code D559 (since 25 November 2021, verifiable at app.bde.es). 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 are we expressly not?
We are not a fee-based adviser, not legal or tax advisers, not investment advisers under § 34f GewO and not a bank. We do not grant loans, we arrange them.
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.
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.
Frequently asked questions
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. Olga Nikushkina is entered with the Banco de España under code D559.
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.
Next: For partners and cooperations · Siegfried Perini — adviser profile · Legal notice
Related pages
Non-resident mortgage in Spain
Non-resident mortgage in Spain: up to 70 % of the tasación, broker fee paid by you, not the bank. Licence § 34i GewO, register D-W-132-ZUCB-95.
What do banks in Spain and Portugal ask for?
Assets and liabilities statement for a Spain or Portugal mortgage: the three parts real estate, liabilities and other assets with every field, fillable DE/EN.
Blog & Spain Mortgage Market Reports
Perini Spain & Portugal blog: market analysis, Euribor updates, mortgages for non-residents — current articles on cross-border financing 2026.
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.