Mortgage Financing: Compare Independently, Make an Informed Decision

Mortgage financing is one of the most important financial decisions you will make in your life. At FE ImmoFinanz, you receive independent mortgage advice: I compare offers from several banks and financing partners for you—not only in terms of interest rates, but also repayment options, flexibility, and contractual conditions.

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Financing, Funding, Brokerage.

What Mortgage Financing Includes

Analysis of Current Situation

Together, we assess your income, available equity, and monthly budget—honestly and without sugar-coating.

Comparison of Multiple Providers

I obtain offers from various banks and compare them for you—so you receive the best financing solution for your home, not just any offer.

Personalized Recommendation

I explain the differences clearly and recommend what truly suits your situation—without leaving you to work through a confusing maze of figures on your own.

Comprehensive Support Every Step of the Way

I assist you with the required documents, coordinate communication with the bank, and remain by your side until the contract is signed.

Here’s how the mortgage consulting process works

Free Consultation

We get to know each other. You tell me about your situation and your plans—no pressure, no obligation.

Financing Analysis

I get a complete overview of your current situation and show you, realistically, what’s possible.

Comparison of Offers

I’ll gather offers from several financing partners and break down the key points in a way that’s easy for you to understand.

Consultation and Decision

I’ll explain the differences—you decide which offer is right for you.

Application and Closing

I’ll guide you through gathering the necessary documents and the entire application process, all the way through to closing.

Financing, Funding, Brokerage.

Who Is Mortgage Financing Advice Suitable For?

I advise private clients from all across Germany, regardless of how much they already know about mortgage financing. My consultation is suitable for you if:

you are buying or building your first home;
you want to finance an existing residential property;
you would like to refinance or adjust your current mortgage;
you want to finance an investment property as an investor;
you are an English- or Chinese-speaking client looking to buy property in Germany and receive professional advice in your own language.

Frequently Asked Questions About Home Financing

I’ll answer all your questions about home financing, home savings plans, and government incentives. Let me help you pave the way to homeownership.

What documents do I need for a mortgage?

Nothing for the initial consultation. For the actual application, you’ll typically need your last three pay stubs, current bank statements, your most recent tax assessment notice, a self-disclosure form, and documents related to the property. I’ll walk you through the process step by step.

How much down payment do I need?

You should be able to cover the closing costs (real estate transfer tax, notary fees, and, if applicable, real estate agent fees) with your down payment—around 10 to 15 percent of the purchase price, depending on the state. A larger down payment significantly improves your interest rate. We’ll work together to determine what’s feasible in your situation.

What does a fixed-rate period mean—and how long should it be?

The fixed-rate period specifies how long your interest rate remains fixed. Typical terms are 10, 15, or 20 years. A longer fixed-rate period protects you from rising interest rates but is usually slightly more expensive. How long makes sense depends on your life situation and current interest rates—we’ll discuss this in detail.

As a foreign citizen, can I get a mortgage in Germany?

Generally speaking, yes—the requirements depend on your residency status and proof of income. As a multilingual advisor, I have experience working with international clients and can help you find the right financing partners.

How long does it take to secure a mortgage?

From the initial consultation to the final bank approval, it usually takes two to six weeks—depending on how quickly the documents are submitted and how fast the bank processes the application. I’ll make sure the process goes as smoothly as possible.

How much does mortgage consulting cost?

The consultation is free. If I successfully arrange a loan, I receive a commission from the lenders. This does not affect your loan offer—by comparing options, I often find more favorable terms than you would get in a direct meeting with the bank.

Many of my clients combine mortgage consulting with other services.

Home savings options and government incentives

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Real estate brokerage