Digital
Upload documents
Upload your documents conveniently. Our AI checks immediately for completeness.
- Current loan agreement
- Salary statements & ID
- AI instant document check
Compare terms early
Compare suitable terms across a network of more than 400 banks. Which financing partners qualify depends on your circumstances.
Current market reference & calculator
Use the official market reference for orientation and calculate the difference between your current bank's offer and a comparison rate.
Monthly German new-business figures for housing loans, obtained directly from the Bundesbank and ECB MFI interest-rate statistics.
Market average, not an individual rate or credit offer. Your personal rate depends on factors including loan-to-value, creditworthiness, property and fixed-rate period. Source: Deutsche Bundesbank
Both options are compared using the same monthly payment, showing the estimated interest and remaining-balance difference.
Perfect timing
The earlier you act, the better you can plan and secure favorable rates.
Lock in today's rates for the future. When rates are rising, this can save thousands.
The ideal time to compare. Enough time for negotiations and smooth refinancing.
Still possible, but act quickly. Your bank is probably already making an extension offer.
Three paths to optimal financing after your fixed rate period ends
Stay with your current bank. Easy, but often not the cheapest option.
Switch to another bank with better terms. More effort, but often significantly cheaper.
Lock in today's rates for later. Ideal when rates are rising.
We compare suitable terms across a network of more than 400 banks. Potential savings depend on the remaining balance, term, rate difference, and switching costs.
Capture details and documents digitally. The financing partner decides whether an appointment is required.
We check completeness and coordinate open points. Processing time and a binding offer remain with the bank.
Qualified contacts support the preparation digitally or by phone.
You see available terms and key costs side by side. The selected bank confirms the final details.
Our service is completely free for you. We are paid by the banks.
Digital, step by step
Capture details and documents digitally. We check completeness and prepare a comparison with suitable financing partners.
Upload your documents conveniently. Our AI checks immediately for completeness.
Receive suitable terms for non-binding guidance from a network of more than 400 banks.
Clarify your needs digitally with the AI assistant or in a personal conversation. In both cases, advice and recommendations come from your adviser.
After preparation, your documents are submitted selectively. The bank determines terms, timing, and approval.
Timing and outcome cannot be guaranteed.
Free • Non-binding • Credit-score-neutral comparison
FAQ
Everything you need to know
Compare suitable offers for your mortgage refinancing.
Free • Non-binding • Credit-score-neutral comparison