Mortgage credit intermediaries are defined in Articles L.226-1, points 14 and 15 of the Consumer Code:
- (14) “mortgage credit intermediary” means a natural or legal person who is not acting as a creditor or notary and not merely introducing, either directly or indirectly, a consumer to a creditor or mortgage credit intermediary, and who, in the course of his trade, business or profession, for remuneration, which may take a pecuniary form or any other agreed form of financial consideration:
- a) presents or offers mortgage credit agreements to consumers;
- b) assists consumers by undertaking preparatory work or other pre-contractual administration, other than as referred to in letter (a), in respect of mortgage credit agreements; or
- c) concludes mortgage credit agreements with consumers on behalf of the creditor;
- (15) “tied mortgage credit intermediary” means any mortgage credit intermediary who acts on behalf of and under the full and unconditional responsibility of:
- a) only one creditor;
- b) only one group; or
- c) a number of creditors or groups which do not represent the majority of the market.
Quick access
- All mortgage credit intermediairies supervised by the CSSF can be found in the Search entities database.
- All legal and regulatory documents can be found in the Regulatory framework section.
- All FAQs can be found in the Regulatory framework section.
- All forms can be found in the Publication and Data section.
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30 July 2020
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Last update: 04 May 2020