Mortgage financing — secure the lowest interest rate

Secure your future today!

A property – whether your own home or an investment – raises your standard of living, brings security and is a solid part of a diversified private provision strategy. Your net return is already shaped when you buy your property. We design your personal cost-efficient financing concept, one that adapts flexibly to your circumstances as they change.

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Mortgage financing
  • +110Financings
  • +400Banks
  • 2.35%Effective annual rate
  • 100%Best terms

We compare more than 400 banks for you

So that you get the right mortgage on the best terms – from major banks and direct banks to regional Sparda and Volksbank cooperative banks.

  • Commerzbank
  • Postbank
  • DKB
  • ING
  • Sparkasse
  • HypoVereinsbank
  • Sparda-Bank
  • Volksbank
  • PSD Bank
  • Deutsche Bank
  • Santander
  • BBBank

A selection of our financing partners. Trademark and logo rights belong to the respective institutions.

Interest rate trend

Mortgage rates since 2003

After the historic low of 2020/21, mortgage rates have risen significantly. This makes a careful comparison of terms and the right fixed-rate period all the more important.

Effective interest rate on housing loans, fixed rate for 5–10 years Monthly values 2003–2026, in % p.a.
2% 4% 6% 2005 2010 2015 2020 2025 5.39% Jan 2003 1.02% Low Dec 2020 3.81% Aug 2026 (provisional)
2% 4% 6% 2005 2015 2025 5.39% Jan 2003 1.02% Dec 2020 3.81% Aug 2026 (provisional)

Source: Deutsche Bundesbank, MFI interest rate statistics, series SUD118 (new business, households), as of 1 Oct 2026. Value for Aug 2026 provisional. Average values – your individual interest rate depends on your creditworthiness, loan-to-value ratio and fixed-rate period.

Financing process

Mortgage financing is old-fashioned and slow? Not with us!

You receive your personal offer for your dream property from us within a few hours.

01

Scheduling

We arrange your first meeting promptly – often on the same day.

02

Consultation

We advise you digitally or in person in the heart of Berlin, and together we find your ideal financing strategy.

03

Offer

After comparing more than 400 banks for you, you receive a tailored offer with the best terms.

04

Financing

We support you through the entire process, saving you valuable time and stress. We also ensure smooth processes in special financing situations.

Financing calculator

Calculate your repayment, remaining balance and follow-up financing

Work out your monthly repayment – or simulate your follow-up financing once the fixed-rate period ends, across different interest and repayment scenarios.

Loan amount€400,000
Borrowing rate p.a.3.5%
Initial repayment p.a.2.0%
Fixed-rate period10 years

Monthly repayment

€2,292

Interest + principal, annuity

Remaining balance after fixed-rate period

€314,000

after 10 years

Total term until fully repaid

34.6 years

with a constant repayment

Interest costs during fixed-rate period

€128,000

over 10 years

Simplified model for guidance only – not a financing commitment or advice. Terms vary individually.

We make the complex simple for you

Choosing the right financing inevitably raises questions. We answer them and help you find the bank that suits you.

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