The best conditions for your real estate loan

  • Independent and neutral

  • Personal consultation

  • Many years of experience in the new build sector

To the financing calculator
The best conditions for your real estate loan

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

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

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

Financing sum

Usage

Income

Age

Score

Financing total:

€660,300

Monthly installment:

€2,338

Total duration:

45.2

Year

Financing sum

What will your property cost?

Usage

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

Income

Please enter your monthly household income (net).

Age

Please enter your age.

Your benefits

Realistic assessment of successful financing.

Thanks to having forwarded hundreds of financing inquiries and constant contact with financiers, we know what is important when it comes to a real estate loan. We can provide you with a non-binding assessment in advance as to whether financing is likely in your case.

Information in advance, without having to make an application.

With our financing calculator tips, we can tell you which “screws” you should tighten in order to increase your chances of obtaining financing.

Personal and independent advice from financing professionals.

Our consultants look at all the important factors for a financing commitment and ask about your needs and circumstances. With this knowledge, they compare the available offers to find the best financing model for you.

High flexibility and the best conditions.

Our advice is tailored and discreet. The financing experts are on your side, seriously sound out your options and present you with a reliable offer promptly. This makes for a secure basis for your real estate purchase.

How it works

1
Make a non-binding enquiry

Assess your desired loan directly via our financing calculator.

The assessment is of course free of charge and does not commit you to anything.

2
Discuss your offer

A financing professional will contact you within 24 hours to discuss your assessment.

At this point you can express your individual wishes and then create a tailor-made offer.

3
Complete financing

Once your financing professional has taken care of all the formalities with the lender, you'll receive the financing contract for signature.

Frequently asked questions

Can I afford the property?

Probably the most frequently asked question when buying a property. Unfortunately, there is no general answer to this question, 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 look at when evaluating real estate. This starts with the location of the property and ends with the age of the borrower.
Most banks look at the so-called loan-to-value ratio, which represents the ratio of equity to loan value (purchase price minus 10%). The lower the loan-to-value ratio, the better your chances of successful and healthy financing.

How high should the repayment rate be?

With an initially low repayment rate (e.g. 1%), the monthly charges (installment) are lower, but this also extends the time it takes to pay off your property. The higher the repayment rate, the sooner you will finish paying off your property.
Of course, the choice of repayment rate also depends on the current interest rate you receive from the bank for your property loan.

What is a sensible fixed borrowing rate?

The most sensible fixed borrowing rate depends on the current interest rates. If interest rates are high, it is better to choose a lower fixed rate in order to get a better interest rate. If interest rates are low, it may make sense to agree a longer fixed rate in order to secure the low interest rate over a longer period of time.
Note: In most cases, you can terminate the contract after 10 years and renegotiate. Even if you have agreed a fixed interest rate of 20 years and the interest rate is significantly reduced after 10 years, it makes sense to reschedule in order to reduce the monthly burden (installment).

How is the monthly installment calculated?

The monthly rate is calculated from the financing amount and the selected annuity.
Example: €500,000 (financing amount) * 6% (annuity = interest rate + repayment) / 12 months = €2,500 /month

What is meant by annuity?

The annuity is made up of the current interest rate that you receive from the bank and the chosen repayment rate.
The product of these two values gives the annual charge associated with the property. The financing sum x annuity divided by 12 months gives the monthly charge (installment).

How much equity is necessary for “healthy financing”?

The equity that is to be included in the financing determines the amount of the financing sum and thus the monthly charge (installment).
Many banks expect up to 20% of the purchase price of the property in order to obtain financing.