Steffen Bodem

Managing Partner at Smart Finance S.à r.l.

Steffen Bodem is a leading expert in cross-border real estate financing between Luxembourg and Germany, with more than a decade of hands-on experience in international mortgage structuring. As Managing Partner at Smart Finance, Steffen helps Luxembourg residents finance property in Germany and beyond, providing tailored financing solutions that meet both local and cross-border legal, tax, and financial requirements.

Specializing in real estate financing for Luxembourg residents buying in Germany, Steffen understands the unique challenges and opportunities that come with cross-border property transactions. His in-depth knowledge of both the Luxembourg and German banking systems enables him to offer:

• Custom mortgage solutions for primary residences, second homes, and investment properties

• Optimal loan structures with competitive interest rates and flexible repayment options

• Expert navigation of international lending regulations and financing conditions