Buying or building
Mortgage financing in Germany
Buying an existing property, building a new home or purchasing your first flat: we go through your numbers together and discuss, in plain language, which financing structure fits your situation.
How the advice works
- 1First conversation: your plans, timing and open questions
- 2Sorting the numbers: income, equity, property documents
- 3Comparing and discussing financing options
- 4Preparing and submitting the documents together
- 5Support through to payout – and available afterwards
Purchase or new build
With a purchase the price is known early on; with a new build costs arrive in stages. Both can be financed, but the process and the way funds are paid out differ.
Equity
The more equity you contribute, the smaller the loan usually is. Savings, existing Bausparen balances and subsidies can all play a role. We look at what is realistic in your case.
Monthly instalment
Your instalment consists of interest and repayment. More important than the lowest possible rate is that it remains comfortable over many years, including reserves for maintenance.
Fixed-rate period and repayment
The fixed-rate period defines how long your interest rate stays unchanged. The initial repayment rate determines how quickly the remaining debt falls.
Purchase side costs
Property transfer tax, notary, land registry and, where applicable, agent commission are added to the purchase price. We plan these in from the start.
Is the fixed-rate period of an existing loan coming to an end? Then read on about follow-up financing.
Calculate your mortgage – for a first overview in numbers. Further reading: How much house can I afford?.
Why work with me
- One personal contact from the first question to the payout
- Registered mortgage loan broker under § 34i para. 1 GewO
- Access to more than 400 banks and financing partners
- Personal advice in German and English
FAQ
Frequently asked questions
Your question is not listed? Just call – it is often answered in two minutes.
- How much equity do I need?
- As a rule of thumb, the purchase side costs should be covered from your own funds. There are constellations where less is possible; this can only be assessed individually.
- When is the right time to talk?
- Ideally before you have found a specific property, so you know your range and can act quickly at viewings.
- Can you advise me in English?
- Yes. Consultations are available in German and English, in person or by phone and video.
Let us talk about your plans.
A first conversation is non-binding – by phone, WhatsApp or the contact form.