Overview

Your fixed interest period is ending, your mortgage is due for renewal, or you want to optimise your loan conditions? We show you how to plan follow-up financing and refinancing – from analysis to comparison to implementation.

Full repayment

Monthly installments, total term and interest expenses for full repayment.

Interest rate calculator

Calculate how to repay your loan in the most efficient way, including special repayments and different fixed-interest options.

Follow-up

Find offers currently available to you from your bank or other providers. This lets you immediately see where savings potential lies.

Numbers are good – a forward-looking plan is better.

The same applies to follow-up financing: Every number is only as good as the insight behind it.
We support you personally, answer your questions, and provide clear recommendations for action.

Response within 12 hours – personal, not automated.
By phone, online, or in person – we are accessible, transparent, and at your side.

Tip for self-employed individuals

Self-employed professionals often encounter challenges when arranging follow-up financing :

  • Presenting fluctuating income correctly
  • Preparing documentation strategically
  • Selecting banks that offer flexibility and openness

We help you manage these steps efficiently – ensuring your loan remains sustainable in the future.

Sounds tedious – but it is essential

Tips based on our experience

  • Review interest rate options early – at least 12 months, ideally up to 60 months, before your fixed rate expires.

  • Check your early termination rights 10 years after full disbursement for special repayments and refinancing.

  • Special repayments shorten the loan term and reduce interest costs.

Do you know your options?

Funding opportunities for new construction & renovation

Whether KfW, state-level programmes, or tax benefits – there are many funding schemes worth exploring.
We examine which programmes fit your project and show how to combine them effectively with your financing.
This helps you save money and gain financial flexibility.

From real life

Case Studies

Every financing is as individual as the people behind it. Whether first-time buyers, families, or self-employed professionals – here we show how we turn aspirations into viable solutions.

Mara und Jens

Follow-up financing for a family budget

Initial situation:
48 & 46, employees, two children (15 & 18). Fixed interest expires in 12 months.
Equity & reserves: €31,000

Their questions:
“How can we keep the instalment stable if interest rates rise?”
“What special repayment options are available – and should we use them?”

Solution:
We evaluated different options: extension with their current bank, refinancing to achieve a lower instalment, and securing future interest rates for the next phase.

Result:
The instalment now fits their current life and can be adjusted once the children move out.

Sebastian

Self-employed entrepreneur

Initial situation:
42, self-employed, founder of a startup, existing loan for residential and commercial property. Fixed interest ends in 6 months.
Equity: €80,000

His questions:
“What documents do I need for the new interest agreement?”
“Can we reduce the instalment and increase the special repayment option?”

Solution:
We calculated several scenarios with flexible repayment and compared offers from different banks.

Result:
Overall better conditions, with planning stability despite fluctuating income.

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