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Independent real estate financing
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Independent real estate financing – maximum freedom and security
Buying or building a property is one of the most important financial decisions in life. Many people automatically resort to the offer from their local bank – and therefore often miss out on better opportunities. untied real estate financing This means you are not limited to the products of a single bank. Instead, you have access to a broad market of banks, building societies, direct banks, and insurance companies.
Your insurance broker works independently and compares the best market conditions for you. This way, you not only get a fair interest rate, but also a financing structure that suits your personal needs – be it a short or long fixed interest rate period, flexible repayment options, or the possibility of making extra repayments.
Your advantages with untied financing
The advantages of untied real estate financing are numerous:
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Objective advice: A real estate agent is solely committed to you – not to a bank.
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Individual solutions: Your financing will be tailor-made, whether you are a home buyer, an investor or refinancing.
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Cost advantages: Even small differences in interest rates can quickly save many thousands of euros over the years.
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Flexibility: Special repayments, variable repayment rates or different loan terms will be tailored to your wishes.
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Holistic approach: In addition to financing, appropriate insurance coverage is also taken into account, e.g. through term life insurance or disability insurance.
This ensures that your financing is not only affordable but also sustainable in the long term.
For whom is untied real estate financing a sensible option?
Independent advice is worthwhile in many situations:
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Young families and couples, who want to finance their first home and benefit from low entry rates.
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Investors, who use real estate as an investment property and increase profitability through better financing conditions.
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Owners with outstanding loans, who can save significantly through comparison when refinancing or refinancing.
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Self-employed individuals and freelancers, who need more flexibility in their financing to compensate for income fluctuations.
Especially with long loan terms of 15, 20, or 30 years, an independent comparison pays off. Even a difference of just a few tenths of a percentage point in the interest rate can add up to five-figure sums over the years.
We help with your independent financing.
As insurance brokers, we stand by your side – independent, experienced, and with a holistic perspective. We guide you from the initial analysis of your financial situation and market comparison to the finalization of your financing. Even after that, we're there for you: with questions about early repayments, refinancing, or later adjustments to your coverage.
Schedule your free consultation now. Together we'll find the real estate financing that truly suits you – transparent, secure and independent.
Submit your inquiry now
We will gladly advise you comprehensively and personally on your request.
FAQ
Independent mortgage financing means your advisor isn't tied to the offers of a single bank. Instead, they compare various banks, building societies, insurance companies, and online banks. This way, you get financing that truly suits your needs – independent, transparent, and often with significantly better terms.
Your local bank typically only offers its own products. An insurance broker, on the other hand, can choose from a wide range of offers and find the most favorable terms for you. This often saves you several thousand euros over the entire policy term.
An insurance broker works independently and solely in your interest. Besides favorable financing conditions, they also pay attention to important additional points such as flexible repayment options, special repayment possibilities, and appropriate coverage – for example, through term life insurance or disability insurance.
It's worthwhile for anyone wanting to buy or build a property, for investors financing an income-generating property, and for owners looking to optimize their refinancing. Self-employed individuals especially benefit, as untied financing often offers greater flexibility.
Yes. Even small differences in interest rates add up to enormous sums over a term of 15, 20, or 30 years. On a loan of €300,000, a 0.3% reduction in interest can mean savings of tens of thousands of euros.
A bank advisor sells the products of "their" bank. An insurance broker, on the other hand, is independent and compares offers from various institutions. They represent your interests and seek the solution that best suits you – not the one that is most lucrative for a particular institution.
The financing itself does not incur any additional costs, as the broker's commission is handled through the bank. For you as the customer, there are generally no additional costs. no extra consulting fees. You will therefore receive a comprehensive market overview and independent advice at no extra cost.
- Analysis of your financial situation and goals
- Comparison of offers from many banks and insurers
- Preparation of an individual financing proposal
- Assistance with the application process and contract signing
- Support even after completion – e.g. in the case of special repayments or debt restructuring.
Yes. An independent comparison is particularly worthwhile when refinancing. Switching to a different provider can often save you considerable costs – sometimes in the five-figure range.
A mortgage typically runs for decades. To protect your family and your property, supplemental term life insurance or disability insurance is advisable. An insurance broker can optimally combine financing and insurance, allowing you to plan with peace of mind for the long term.