Partner Banks
Who we work with.
More than 500 banks, savings banks, insurers and specialist lenders in our pool. How we select — and why there is no wall of logos.
Context
A wall of logos tells you nothing.
Many brokers maintain page-long walls of a hundred bank logos. It is meant to signal scale. In reality it tells you nothing about whether a bank suits your case — or whether the broker can even get you that bank for your case.
We work through a banking pool that gives us access to more than 500 banks and insurers. Which of them is actually worth approaching in a given case depends on the constellation: credit profile, property, equity, timing. That pre-selection is our job.
Categories
Who is good at what.
01
Major banks & direct banks
Nationwide lenders with standardised processes. Strength: fast processing for clear-cut standard cases, often attractive rates for strong credit profiles and straightforward properties. Weakness: little flexibility for special cases.
02
Savings banks & cooperative banks
Regionally rooted, with local discretion. Strength: strong knowledge of local property markets (Rhine-Main, Main-Kinzig, Untermain) and higher acceptance of individual cases, self-employed borrowers and sweat equity. Weakness: not always the price leader.
03
Mortgage banks
Specialists in secured property loans. Strength: sharp rates for clear-cut standard properties, long fixed-rate periods, professional collateral valuation. Weakness: structures outside the standard are rarely possible.
04
Insurers & building societies
With their own loan products or building-society savings components. Strength: full-repayment concepts, long fixed terms, sensible in combination with existing retirement provision. Weakness: not the cheapest solution for every case.
05
Specialist lenders for the self-employed & commercial
Banks with clear frameworks for freelancers, sole traders, GmbH buyers and investors. Strength: routinely work with management accounts, annual financial statements, holding structures and cash-flow models. Weakness: usually a narrower risk appetite.
06
Development banks
KfW (261, 262, 300, 124, 276, 277), BAFA grants and the federal states' development banks. Strength: subsidised-rate or grant-based components that complement standard financing. Weakness: heavily rule-bound, with frequent programme updates.
Selection
How we filter.
01
Conditions — but not just the nominal rate
Effective annual rate, commitment-interest grace period, unscheduled repayment rights, repayment-rate switches, full-repayment options. A nominal rate that is 0.05% cheaper is worthless if it costs you the right to make unscheduled repayments.
02
Processing speed
If you need to close in 14 days, you need a bank that decides in 14 days — not in 8 weeks.
03
Risk acceptance for your specific case
Not every bank understands self-employed borrowers. Not every bank finances multi-family houses. Not every bank offers 100% financing. We know in advance who can do what.
04
Stability and ongoing service
You will hold your loan for 10–30 years. The bank needs to be reachable when you want to make an unscheduled repayment or need to change your repayment rate.
Transparency
Remuneration and selection.
We are remunerated by the financing bank. Commission rates differ between institutions — but the range within the pool is narrow. Our selection is based on the fit for your case, not on the highest commission. On request, we will explain what we earn on a specific contract.
For more on the regulatory side — licence, supervision, dispute resolution — see Compliance.
Your first consultation — free and without obligation.
30 to 60 minutes in which we listen to your situation, answer first questions and tell you transparently whether and how we can help. No sales pitch. No pressure.
- I.We get back to you within one working day by phone or e-mail.
- II.We arrange an appointment — in person, by phone or via video call.
- III.We assess your situation and tell you openly how we can support you.
Start your enquiry
A few quick steps to your personal assessment. Response within 24 hours, strictly confidential.
- Key facts about your plans and equity
- Occupation and net household income
- Preferred advisor, or leave it open
- Your contact details
Takes about 2 minutes. No credit check at this stage.