Find your optimal mortgage financing

Our advice is completely free for you. We are remunerated exclusively through the commission of the financing bank — no extra costs arise for you.

Ideally you should cover at least the purchase closing costs (around 7–12% of the purchase price, depending on the federal state and agent commission) from your own funds. Financing without equity is possible in individual cases but comes with higher interest rates.

From first enquiry to approval usually takes 2–4 weeks. With good preparation and complete documents it can be faster.

Typically we need: salary statements of the last 3 months, your latest tax assessment, a self-disclosure form, bank statements and documents about the property (exposé, land register extract).

Yes, self-employed people and freelancers can obtain mortgage financing too. Requirements are somewhat higher — usually the last 2–3 annual financial statements or tax assessments are needed.

The nominal rate (Sollzins) is the pure interest rate of your loan. The effective rate (Effektivzins) additionally includes all ancillary financing costs, allowing a better comparison of different offers.

Yes, we advise Germany-wide. Thanks to digital communication we can look after you optimally wherever you live. In-person appointments are available in the Heinsberg, Mönchengladbach and Düsseldorf region.

Follow-up financing becomes necessary when the fixed-interest period of your current loan expires. We then compare the best conditions for your remaining debt again — often with considerable savings potential.