Service
Property Financing.
More than 500 banks and credit institutions — one point of contact. From the first consultation to disbursement.
The Basics
A financing that has to carry you for decades.
Financing a property is the biggest private financial decision most people ever make — whether it is a purchase, a new build, an existing home or a renovation. It is not just about the interest rate — it is about repayment, the fixed-interest period, unscheduled repayment rights, equity, purchase costs, subsidy programmes and the question of what should still be affordable in ten, twenty, thirty years.
We are an independent broker under Section 34i (1) sentence 1 of the German Trade Regulation (GewO). That means: we belong to no bank, we recommend no in-house products, and we compare independently. More than 500 banks and credit institutions are on the table for us — from regional savings banks to development banks such as the state-owned KfW.
Our work is not a push-button rate comparison. We structure the financing before we approach any bank — key parameters defined, documents in order, objectives discussed. Only then do we make enquiries, and even then in a targeted way rather than scattergun.
Life Situations
Four typical starting points.
First Home
Your first own property — a flat or a house. Equity, creditworthiness, purchase costs and repayment all have to fit together. We structure it from the ground up.
Moving House
Your current financing is running, but the next property is calling: refinancing, bridge financing or selling first — we help you get the sequence right.
Modernisation & Renovation
A new heating system, a new roof, an energy-efficiency retrofit: combining loans from the state-owned KfW development bank, building-society savings plans and classic annuity loans into one solution — instead of running three separate loans side by side.
Buy-to-Let
A flat as an investment property or a multi-family building. Banks assess these differently — we know the lenders who evaluate them properly.
The Process
From the first consultation to disbursement.
- 1
First Consultation
30 to 60 minutes — free of charge and without obligation. We listen, assess your situation and clarify which documents we need. In person, in Rodgau, or via video call.
- 2
Structuring
We sharpen the key parameters: property value, equity, desired repayment rate, fixed-interest period, unscheduled repayment options. Only then do we approach banks.
- 3
Bank Comparison
More than 500 banks and credit institutions — we filter out the two or three offers that genuinely fit your profile. With a transparent explanation of what we select and why.
- 4
Recommendation & Closing
A written comparison and a clear recommendation. If you wish, we stay by your side until disbursement — including communication with the bank, the notary appointment and the flow of documents.
Building Blocks
Six levers we review with you.
Fixed-Interest Period
10, 15, 20 or 30 years? A longer fixed period means more security, but usually also a higher borrowing rate. The right choice depends on your stage of life and the interest-rate environment.
Repayment & Unscheduled Repayments
Your initial repayment rate determines how quickly you become debt-free. Unscheduled repayment rights give you flexibility for bonuses or inheritances — free of charge, if you choose the right banks.
Equity & Purchase Costs
Notary, land registry, real estate transfer tax, estate agent — purchase costs quickly add up to 10 to 15 percent of the purchase price. We calculate your equity realistically, not optimistically.
KfW & Subsidies
Energy efficiency, family loans, age-appropriate conversions — subsidised loans from the state-owned KfW development bank save interest over the long term. We check what fits your project.
Forward Loan
For refinancing with up to three years' lead time. It locks in today's interest rates for a financing that only starts in the future — when it fits your strategy.
Full-Repayment Loan
Fully financed through to the end, with no refinancing risk. If you value planning certainty, this option is always worth considering.
Pitfalls
Four mistakes that can become expensive.
Asking only one bank
Your house bank is rarely the cheapest — and sometimes not even the right fit. If you don't compare, you typically overpay by a four- to five-figure sum over ten years.
Setting the initial repayment too low
A low repayment rate feels like relief at first. In most cases, however, it dramatically extends the total term and increases your refinancing risk.
Underestimating purchase costs
If you underestimate purchase costs, you end up financing them anyway — through a higher loan-to-value ratio and more expensive terms. We factor them in early.
Treating unscheduled repayments as a battle
Unscheduled repayment rights cost nothing if you choose the right bank. If you have to fight for them in every contract negotiation, you have picked the wrong bank.
Related Services
Topics that often go hand in hand.
Frequently Asked
What clients want to know up front.
- What does advice from ME Finance cost?
- The first consultation is free of charge and without obligation for you. If a financing is concluded, we are remunerated by the lending bank — your terms are neither better nor worse as a result. Should fee-based advice make more sense in your case, we will raise that openly in advance.
- How much equity do I need?
- As a rule of thumb, the purchase costs — notary, land registry, real estate transfer tax and, where applicable, the estate agent — should be paid from equity; in Hesse that is around 10 to 12 percent of the purchase price. Ideally, some additional equity goes towards the purchase price itself. Full financing is possible, but not sensible in every life situation.
- How long does it take from the first consultation to approval?
- With complete documents, we expect two to four weeks until the loan is approved. Existing properties usually move faster than new builds; for self-employed clients, banks occasionally need longer for the credit assessment.
- Which banks do you actually compare?
- We work with more than 500 banks and credit institutions — including regional savings banks and cooperative banks, nationwide annuity lenders, building societies and development banks such as the state-owned KfW. Which lenders genuinely come into question for your case depends on the property, your creditworthiness and the loan-to-value ratio.
- What happens if I decide not to proceed after the first consultation?
- Nothing. The first consultation is without obligation. You pay no consulting fee and take on no commitments. We want client relationships that make sense — not contracts at any price.
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.