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The best conditions for your real estate financing

Independent and neutral

Individualised consultations

Many years of experience in the new build real estate industry

To the financing calculator

Your direct route to a tailor-made real estate loan.

Financing a property is very personal and depends on many criteria. Let us work with our partners to find the best options for you.

Use our financing calculator and get free and non-binding financing offers that best suit you.

Financing amount

Use

Income

Age

Valuation

Financing amount:

0

€

Monthly instalment:

0

€

Total time period:

Years

Financing amount

What is your property expected to cost?

Purchase price: *

€

Ancillary purchase costs:

€
( 0 € ) included

Federal state: *

Equity (%): *

€

Use

Do you intend to purchase the property for your own use or as an investment?

Income

Please enter your monthly (net) household income.

Age

Please enter your age.

Your advantages

Realistic assessment for successful financing.

Through hundreds of forwarded financing enquiries and permanent contact with the financiers, we know what is important in a real estate loan. We can therefore provide you with a non-binding assessment in advance of whether financing is likely in your case.

Preliminary information without having to send a request.

By using the tips in our financing calculator, we can tell you which "screws" you need to turn to increase your chances of successfully obtaining financing.

Personal and independent advice from financing professionals.

Our advisors ask about your needs and circumstances and shed light on all the important factors for a financing commitment. With this knowledge, they can compare the available offers and find the best model for you.

High flexibility and best conditions.

Our advice is tailor-made and discreet. Our financing experts are on your side, seriously sound out your options and promptly present you with a reliable offer. This forms a secure basis for your property purchase.

Realistic assessment for successful financing.

Through hundreds of forwarded financing enquiries and permanent contact with the financiers, we know what is important in a real estate loan. We can therefore provide you with a non-binding assessment in advance of whether financing is likely in your case.

Preliminary information without having to send a request.

By using the tips in our financing calculator, we can tell you which "screws" you need to turn to increase your chances of successfully obtaining financing.

Personal and independent advice from financing professionals.

Our advisors ask about your needs and circumstances and shed light on all the important factors for a financing commitment. With this knowledge, they can compare the available offers and find the best model for you.

High flexibility and best conditions.

Our advice is tailor-made and discreet. Our financing experts are on your side, seriously sound out your options and promptly present you with a reliable offer. This forms a secure basis for your property purchase.

How it works

1
Non-binding request

Ask for your desired financing amount directly using our financing calculator.

The request is of course free of charge and does not put you under any obligation.

2
Discuss an offer

A financing professional will contact you within one day and discuss your case with you.

Here you can express your personal wishes and you'll then receive a tailor-made offer.

3
Finalise financing

After your financing professional has taken care of all the formalities with the lender, you will finally receive the financing contract for signature.

Frequently asked questions

Can I afford to buy the property?
Probably the most frequently asked question when buying real estate. Unfortunately, this question cannot be answered in such a general way, as real estate financing is a very individual matter.
What criteria do the banks attach the most importance to?
There are various points that banks pay attention to when evaluating real estate. It starts with the location of the property through to the age of the borrower.
Most banks pay attention to the so-called loan-to-value ratio which represents the ratio of equity to the mortgage lending value (purchase price minus 10%). The lower the loan-to-value ratio, the better chance you have of successful and healthy financing.
How high should the repayment rate be?
With an initially low repayment rate (e.g. 1%), the monthly burden (rate) is lower, but this also extends the repayment of your property. The higher the repayment rate, the sooner you can finish paying off your property.
Of course, the choice of repayment rate also depends on the current interest rate that you receive from the bank for your real estate loan.
What is a sensible fixed interest rate?
The most sensible loan interest rate depends on current interest rates. If interest rates are high, it is better to choose a lower fixed interest rate to get a better interest rate. If interest rates are low, it can make sense to agree on a long fixed interest rate in order to secure the low interest rate for a long time.
Note: in most cases, you can cancel and renegotiate the contract after 10 years. Even if you have agreed on a fixed interest rate of 20 years and the interest rate drops significantly after 10 years, it makes sense to reschedule this to reduce your monthly burden (rate).
How is the monthly instalment calculated?
The monthly rate is calculated from the financing amount and the selected annuity.
Example: €500,000 (financing amount) x 6% (annuity = interest rate + amortization) / 12 months = €2,500/month
What is meant by annuity?
The annuity consists of the current interest rate that you get from the bank and the selected repayment instalment.
The product of these two values results in the annual burden of the property. Financing amount x annuity divided by 12 months results in the monthly charge (rate).
How much equity is necessary for "healthy financing"?
The equity that is to be brought into a financing arrangement largely determines the amount of the financing offered and thus the monthly burden (rate).
Many banks expect up to 20% of the purchase price of the property in order to obtain financing.