Guides
Guides.
Explained factually, without promises. What we explain time and again in our consultations — here for you to read at leisure.
Articles
Articles we often recommend.
Buying & costs
Property Transfer Tax in Hesse 2026
The 6% rate, worked examples, payment deadline and Hessengeld: what buyers should include in their budget before notarisation.
Read more →Terms
Disagio in Mortgage Financing
How the payout deduction works, why the lower nominal rate is misleading, and why landlords calculate differently from owner-occupiers.
Read more →Buying & law
Heritable Building Right: Buying on Leased Land
What a heritable building right means, how ground rent and remaining term change the financing, and which pitfalls hide in the contract.
Read more →Fundamentals
Property Valuation by the Bank
Why the bank does not use the purchase price, how the mortgage lending value is determined and what that means for your financing.
Read more →Fundamentals
Equity for Your Property Financing
How much equity do you really need? What counts — and what doesn't. And when 100% financing makes sense.
Read more →Refinancing
Understanding Forward Loans
Lock in today's rates for a refinancing that only starts years from now. When the premium pays off — and when it doesn't.
Read more →Fundamentals
Choosing Your Fixed-Interest Period
10, 15, 20 or 30 years? Which fixed period suits which stage of life — and which common misconceptions to avoid.
Read more →
At a glance
If you'd rather start with the bigger picture.
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.