Construction financing as well as financing and liquidity assistance for private individuals, start-ups and companies in Berlin

Construction financing is a matter of trust!

And that is why you are welcome to come to us. We will advise you competently and precisely, draw up the necessary concepts with you and assist you with your financing.

We offer you the best solutions for the financing of

  • New construction and existing properties
  • Freehold flats
  • Apartment buildings
  • Capital investments
  • Capital procurement for owners

We provide comprehensive advice on the basis of the Real Estate Credit Directive. We also use the necessary work programmes of our partners for this purpose. In this way, we determine your credit requirements, your monthly instalments and the total amount of interest you will have to pay.

We know the conditions of the German banks because we can access the offers of more than 250 banks via the financing platform of our partner ehyp.

We are a partner of Ing Diba AG and have direct access to the bank. You can find our advisor profile on the website However, we also have direct contact with many other local banks, such as Commerzbank.

If you come to us, you save yourself the trouble of going to many different banks!

Five good reasons for working with us as a financial intermediary

  1. Our counselling sessions are very personal. We can also arrange our counselling sessions very flexibly via Zoom. We remain your personal contact throughout the entire process.
  2. We have an overview of the market and work with many banks whose loan offers we provide in a very clear financing comparison.
  3. Through our platform, you get the same interest rates as at the branches of the banks. The banks save on their own sales people, work with independent intermediaries and face the competitive offers from other banks.
  4. Direct banks like ING work very closely with us as a financing intermediary and we have direct contact with these direct banks.
  5. We take a lot of the work off your hands by preparing your documents before sending them to the bank.

A word about the costs: As a financial intermediary, we receive a commission from the bank for successfully arranging financing. No costs arise for you from the mediation.

How to finance the purchase of a property in five steps

Step 1: Search for a property

The first step is to look for a house or a flat. You should answer the following questions beforehand:

  • Do you want to buy a house or a flat?
  • In which part of town should it be located?
  • How big should the property be?
  • Old or new building?
  • How much modernisation will be required?

Eventually you will find a flat or house that meets your expectations.

Step 2: Clarify the financial framework

Can you afford this property? First you need to prepare an overview of your personal finances.

  • How high is your current income?
  • What will your income be in the next few years?
  • How much can you pay monthly for your future house or flat?
  • How much money do you have available as equity capital, what reserves will remain afterwards?
  • If it applies to you: What is your residential status (specifically for non-German citizens)?

Once you have clarified these questions for yourself and the object of your wishes is perhaps already within reach, you should make an appointment with us as a financing agent. During our talks you are always there live: you can see the different interest and repayment rates and you can compare the offers of all banks. Not every bank is suitable for every customer and the most favourable interest rate is not always the best financing for you.

After our first meeting, you will know the maximum amount of your financing, how much equity you need to have and how high your future monthly instalment will be. You will also know which documents you need to provide for the financing.

Another advantage, especially in these times of high property prices and rising interest rates: With this knowledge, you are also much better equipped for the purchase negotiations for your property and can better negotiate the sales price.

Step 3: Clarify the financing

The time has come: You have found the property you want and have reached an agreement with the seller on the purchase price. You will receive the necessary documents for the purchase of a property from the seller (extract from the land register, cadastral map, calculation of living space, dimensioned floor plan, photos, energy certificate, and declaration of partition of the property if applicable).

With these and your personal documents (the last three salary statements, the last income tax assessment and the last application for the income tax return, as well as proof of the equity capital you want to use for the purchase), we apply for the loan at the bank.

Now it's a matter of waiting and being patient.

Finally, the time has come. The bank has checked and sends you the loan agreement. As an intermediary, we receive a copy of the loan agreement. Together we check it. In Germany, you still have a legal right to cancel a loan agreement 14 days after you have signed it.

This means for you: As soon as you have the credit approval of the bank, you should conclude the purchase contract with the notary within the next 14 days.

Step 4: The purchase contract

The contract of sale regulates everything that has to do with the purchase of the property.

The purchase price is paid as soon as the notary has made the purchased property legally ready for sale. This includes, among other things, the redemption and deletion of all existing value-reducing entries in the land register.

Furthermore, you will be recorded in the land register of the purchased property as the new owner. This is the so-called conveyance ("Auflassungsvormerkung"). You also arrange the creation of the land charge as security for your financing bank at the notary's office.

After the purchase contract has been concluded, you will receive many invoices, all of which unfortunately have to be paid. These include the bills from the tax office, the land registry, the notary and the estate agent.

When the notary has settled everything, he sends you the due date letter. You will be asked to pay the purchase price within 14 days.

Step 5: Disbursement of the loan and registration in the land register

The loan contract also regulates different things in order to receive the money from the bank for paying the purchase price. These are the disbursement requirements.

You have to provide all the required collateral for the bank. Essentially, this is the creation of a land charge for the amount of the loan.

As soon as you receive the due date letter from the notary, the purchase price must be transferred to the bank, first your equity and then the loan.

Some time later, you receive a message from the land registry that you are now registered as the owner of the property in the land registry.

It's done, you are a house or flat owner. Congratulations!

Online application and calculators

If you would like to make an enquiry about financing, it is best to use the online application. We will call you back to you as soon as possible.

The online application and calculators are offered in German.

You can arrange a consultation appointment here

Online application →

You can calculate the interest rates for your mortgage here

Interest rate check →

You can calculate the follow-up financing for your construction project here

Follow-up financing calculator →

You can request a loan for various purposes here

Instalment loan calculator →