Question 1

What's the advantage over online comparison websites?

Accepted Answer

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.

Question 2

How long does the approval process take?

Accepted Answer

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

Question 3

How much equity do I need?

Accepted Answer

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.

Question 4

What additional purchase costs should I expect?

Accepted Answer

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

Question 5

What documents do I need to apply?

Accepted Answer

You'll typically need:
 • ID
 • Proof of income
 • bank statements
 • property details

Question 6

What is a fixed interest rate period?

Accepted Answer

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.

Question 7

Can I repay my loan early?

Accepted Answer

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

Question 8

How can I protect my home loan?

Accepted Answer

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.

HOME LOAN

HOME LOAN

From Dream to Doorstep

Turn your dreams of owning a home into reality. With my independent home loan comparison, you'll find the perfect financing - tailored to your needs and budget.

Low interest rates and long fixed terms
Tailored adive from the first step to signing
Over 500 financing partners

FAQs about Home Loans

QUICK LINKS

SERVICES

LEGAL INFORMATION

CONTACT

HOME LOAN

HOME LOAN

From Dream to Doorstep

Turn your dreams of owning a home into reality. With my independent home loan comparison, you'll find the perfect financing - tailored to your needs and budget.

Low interest rates and long fixed terms Tailored adive from the first step to signing Over 500 financing partners

FAQs about Home Loans

Low interest rates and long fixed terms
Tailored adive from the first step to signing
Over 500 financing partners