As for pricing, there's generally no difference compared to online platforms. In many cases, I have access to exclusive broker rates that beat most comparison sites.

Unlike automated comparison tools, I offer personal, one-on-one advice tailored to your needs and goals. I take time to understand your situation and recommend solutions that truly fit. You'll also have me as your direct contact anytime you need support.

Usually 1-2 weeks, depending on the lender and how quickly you submit your documents.

As a rule of thumb, you should cover about 20% of the purchase cost, plus additional purchase-related expenses, with your own funds. The more equity you contribute, the better. It can help you secure a lower interest rate and reduce your monthly payments or the overall loan term.

Additional purchase costs (Kaufnebenkosten) vary depending on the property and the federal state. These include:

• Property transfer tax (Grunderwerbssteuer): Ranges from 3.5% to 6.5% of the purchase price

• Notary and land registry fees (Notar- und Grundbuchamt): Around 2% of the purchase price

• Real estate agent commission (Maklergebühr): Up to 7.14% of the purchase price - typically split between buyer and seller

You'll typically need:

• ID

• Proof of income

• bank statements

• property details

The fixed interest rate period (Sollzinsbindung) is the duration during which the agreed interest rate remains unchanged. It is usually shorter than the total loan term. Once the fixed period ends, a new interest rate must be agreed upon, based on the market conditions at that time. This offers planning security and protects against rising interest rates during the fixed term.

Yes, many lenders allow early repayment. Some limit it to a certain percentage per year (e.g. 5% of the loan amount)

Protecting your mortage is a key step in securing your financial future. If your income suddenly drops due to unemployment, disability or death, your entire financing plan could be at risk. With mortage protection insurance tailored to your needs, you can make sure your family is covered in case the unexpected happens.

Additionally, you can insure your property itself with a homeowners insurance policy, which typically covers damages from risks like fire, storm or water leaks.