Independent Financing Advice in Berlin

Bank advice is always one-sided: they can only offer and promote their own products. This can mean less favourable terms than if you were able to compare several providers independently. That is one of the biggest advantages of independent financial advice.

The second major advantage is our specialist expertise and experience (which goes beyond purely financial matters). We can help you because we have built and brokered countless properties ourselves – we know the pitfalls of financing, and we know exactly how to avoid them.

Ideally, you should be able to cover at least the ancillary purchase costs from your savings – in Berlin, these amount to around 11.5% of the purchase price (covering land transfer tax, notary fees and estate agent’s commission). 

The more equity you can contribute on top of that, the better the interest rates the banks will offer. In individual cases, where your credit rating is very good, 100% financing is also possible (i.e. in these cases, you do not need to contribute any of your own money up front).

Our advice is usually free of charge for you. We are funded by commissions paid to us by the banks when a contract is successfully concluded. Other financing models can also be discussed on request.

Both the central KfW Bank and the Investitionsbank Berlin (IBB) offer a number of funding schemes that may be suitable for your project.

We will assess both options on a case-by-case basis during your consultation, taking your specific situation into account.

If your current mortgage is due to expire in the coming months or years, you should look into a follow-up mortgage.

With a so-called forward loan, you can lock in today’s interest rates up to 36 or even 60 months in advance to protect yourself against future interest rate rises.

Yes! Although banks scrutinise self-employed people and freelancers more closely, securing financing is perfectly possible. 

It is important here to ensure that your documents are complete and professionally prepared (business analysis reports, income and expenditure statements, and tax assessment notices for the last 2–3 years). We know exactly which banks in Berlin assess self-employed people fairly and offer attractive terms.

Yes: Interest rates have stabilised at a normal, historical level compared with the periods of extremely low interest rates seen in the past.

As rents in Berlin are rising dramatically at the same time and housing remains extremely scarce due to the slow pace of new-build construction, buying your own home still means investing in one of Germany’s most stable markets. What’s more, you’re protecting yourself against further rent increases in the long term.

Of course, during the consultation, we will assess on a case-by-case basis whether, and to what extent, the financing at the interest rates offered is affordable for you.

For an initial, no-obligation meeting and a preliminary budget estimate, we just need a rough outline of your financial situation: 

• Current income
• Existing commitments and costs
• Available equity
• If applicable, the property details of your desired property, if already available

We will then go through a detailed checklist for the final bank documents (pay slips, land registry extract, cadastral map, etc.) together during our meeting.