Marvinz Financial Group

Independent mortgage advisory in Denmark

Marvinz Financial Group is a Danish financial advisory firm that presents itself as an independent party in the negotiation of mortgage loans and home financing. Its activity focuses on representing the client's interests before the banks, rather than working for the banks, and on finding the most favourable loan combination for each situation.

The company was founded by Simon Martini and Vinzent Nystrup. Martini, partner and financing expert, has worked in the financial sector since 2007, with a special dedication to helping homeowners find financing solutions. Nystrup, partner and financial architect, has a long career in the financial sector focused on the residential area, as well as experience as an executive in the defence sector and as a consultant.

Home purchase and loan renegotiation

The firm structures its offering into two main areas. In home purchase, Marvinz takes charge of exploring the banking market and negotiating the purchase amount, the down payment, the interest rates and the loan types, while the client can focus on finding the home. In mortgage renegotiation, the company specialises in optimising the existing household finances and the composition of the debt, with the stated goal that the financial structure works in favour of the homeowner and not the bank.

The company states that it addresses both those who are already homeowners and those looking for their first home, and maintains that it seeks lower interest rates and the most favourable market conditions through solutions tailored to each case.

The Financial Success Road Map method

Marvinz describes its own working process called the Financial Success Road Map, which the company presents as proven and results-oriented. The journey begins with a free, no-obligation consultation, in which the client's current situation and future goals are assessed. After that conversation, the firm sends a summary with the situation and the possibilities, and if both parties agree to start the collaboration, the relevant documentation is collected.

During the process, Marvinz reviews the documents and draws up a plan, prepares the case with the indicators used by the banks and, with the client's authorisation, surveys the market to locate the best lender, conditions and terms. The method also includes the valuation of the home and the financial situation, the presentation of a proposed solution and the final implementation with the bank.

A comparative case on renegotiation

The website presents a real comparative case on converting a 30-year fixed mortgage at 5% interest into a more advantageous structure. In the scenario with Marvinz, the rate applied would be 3.9%, the property valuation 5.8 million, an increase in the loan disbursement of 200,000 kroner, total savings of 1.177 million over 30 years, interest savings of 147,000 kroner in the first year and no conversion costs. In the scenario without the firm, the rate would be 5.75% (5% plus 0.75%), the valuation 4.7 million, no increase in disbursement, no total savings, no interest savings in the first year and a conversion cost of 120,000 kroner.

Client profile and presence

Among the testimonials the company collects are clients from Danish locations such as Køge, Copenhagen, Skævinge and Slangerup. The accounts mention cases of loan renegotiation, reduced payments and solutions that the clients' own banks had not suggested. The firm operates through its website marvinz.dk and offers a first free, no-obligation consultation to assess each situation.