Construction financing

from the specialist

Real estate financing with top interest rates

  • More than 500 providers in interest rate comparison
  • Including regional and private banks
  • Digital and on-site consulting
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Non-binding and free of charge.

The multi-bank comparison

Against the Bank Marathon

Stop being a beggar and become a respected bank customer. Our independent multi-bank platform allows us to determine your personal loan terms in real time – without the hassle of bank marathons or Schufa checks. Compare your offers easily with just a click of the mouse.

Immediate acceptance

Fast and uncomplicated: Based on your information, we will calculate your individual financing plan today and prepare a current property valuation.

Advice at eye level

We approach your conversation with confidence and act according to your wishes and specifications. This provides genuine consultation on equal terms.

Independent and free in choice

As brokers, we are legally obligated to protect your interests. For you, this means independent advice that isn't influenced by the sales targets of individual product providers. Together, we'll find the optimal solution for you with top terms and conditions.

Clear and distinct

The market for loans and mortgages is diverse and often difficult to navigate. Different providers, numerous products, and individual terms and conditions make choosing a loan difficult. We offer comprehensive advice and support you in finding the loan that best meets your needs. We explain complex issues in a clear and understandable way.

The current interest rate development

How have interest rates developed?

What do the forecasts look like? Here's an overview.

Collaborate

Four easy steps to your desired financing

01

Get to know

We'll get to know each other and discuss your personal financing goals. We'll consider your timeframe, needs, and individual preferences. Based on the information you provide, we'll prepare a personalized self-assessment for you. This provides a detailed overview of your current financial situation and serves as the basis for tailored advice.

02

Offer comparison

Together, we compare possible rates and offers from different banks. We incorporate the offer data into the property calculation. We also discuss details that often seem secondary at first, but which can save you money.

03

“Fine-tuning”

We will discuss the next steps and the final terms and conditions together, on equal terms. We are, of course, available to adjust offers. Renegotiations with the bank are also possible.

04

Contract & payout

We'll take care of preparing your application documents. After you sign, your chosen bank will confirm the contract and disburse the loan. We'll also support you throughout this process and track the disbursement process for you.

What exactly do these terms mean?

Financing vocabulary simply explained

Schufa

Schufa, formerly known as SCHUFA e. V. (Schutzgemeinschaft für allgemeine Kreditsicherung), is a database that stores information about your creditworthiness. Banks and other companies use this data to decide whether to grant you a loan or enter into a contract. A good Schufa score is often a prerequisite for loan approval in Germany. Schufa has been criticized for, among other things, its opaque assessment methods and its market power.

Zwei Sprechblasen mit einem Fragezeichen darin.
Zwei Sprechblasen mit einem Fragezeichen darin.

Interest & Repayment

With a loan, you typically pay a monthly installment. This installment consists of two parts:

  • Interest portion: The part of the installment that is used for interest.
  • Repayment portion: The part of the installment that is used to repay the loan.



At the beginning of a loan term, the interest portion is usually higher than the principal portion. With each payment, the loan amount decreases, which also lowers the interest. This increases the principal portion.

Zwei Sprechblasen mit einem Fragezeichen darin.

Prepayment

A home loan is a loan that you typically repay over many years. If you repay the loan early—that is, pay it back faster than agreed in the contract—this is known as prepayment.

Why are there prepayment penalties?

If you repay your mortgage early, the bank will suffer a loss. This is because the bank has entered into a loan agreement with you for a specific term, such as ten years, and expects regular interest payments during this time. If you repay the loan early, the bank loses this interest. To offset this financial loss, the borrower usually has to pay the bank a prepayment penalty.

Zwei Sprechblasen mit einem Fragezeichen darin.

Fixed interest rate & term

Fixed interest rate: The fixed interest rate refers to the period for which the interest rate specified in the loan agreement is guaranteed to remain unchanged. This means that during this time, you will always pay the same interest rate on your loan, regardless of general interest rate developments.

Why is it important? A fixed interest rate provides you with planning security. You know exactly what monthly installments you'll have to pay over a specific period. This makes financial planning easier.

Common terms: Fixed interest rates of 5, 10, 15 or 20 years are common.

Term: The term of a loan is the total period over which you repay the loan.

Difference to fixed interest rate: While the fixed interest rate only determines the period for the fixed interest rate, the term refers to the entire loan term.

Zwei Sprechblasen mit einem Fragezeichen darin.

Rental & Taxes

As a landlord, you have numerous options to reduce your tax burden. However, it's important to familiarize yourself with the applicable tax regulations and, if necessary, consult a tax advisor.

  • Acquisition and production costs: You can deduct part of the acquisition costs of your property from your taxes over many years.
  • Interest on real estate loans: The interest on your real estate loan is generally fully deductible.
  • Property tax: You can claim the property tax you pay for your rented property as a business expense.
  • Renovation and maintenance costs: You can also deduct costs for necessary repairs and maintenance work.
  • Property management costs: If you hire a property management company, you can claim their costs as expenses.
  • Insurance: You can deduct the costs of various insurance policies from your taxes.
Zwei Sprechblasen mit einem Fragezeichen darin.

Term life insurance

Why do I need term life insurance?

  • Survivorship benefits: This is designed to provide financial security for your family in the event of your death.
  • Loan protection: Term life insurance is particularly useful for larger loans such as home loans. It ensures that the loan can continue to be serviced in the event of the borrower's death.
  • Livelihood security: It can help maintain your family’s standard of living.


Term life insurance is therefore an important form of financial security for your family. It provides financial security in the event of your death and can help ensure that your loved ones can continue to service their mortgage even after your death.

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