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Compare rates from over 400 banks for your mortgage refinancing. We find the best deal for you – free and non-binding.
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.
By comparing 400+ banks, we find the best rates. Many customers save five-figure amounts.
Everything online and digital. No waiting, no appointments, no forms to fill out.
Get a binding offer in just a few days. We handle all the formalities.
Our IHK-certified advisors are at your side – digitally or by phone.
You see all rates compared. No hidden costs, no surprises.
Our service is completely free for you. We are paid by the banks.
Our streamlined process eliminates endless bank visits. Everything online, a quick call for verification, and you have your offer.
Upload your documents conveniently. Our AI checks immediately for completeness.
Get the best rates for your refinancing from over 400 banks.
Choose your preferred form of advice. Both lead to the same result.
Your bank-ready documents go directly into review. Top banks often respond the next day.
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Everything you need to know
Mortgage refinancing (Anschlussfinanzierung) is the continuation of your property financing after the fixed rate period ends. You can stay with your bank (extension) or switch to another bank with better terms (refinancing).
Ideally 6-12 months before your fixed rate period ends. With a forward loan, you can lock in rates up to 5 years in advance. The earlier you act, the more options you have.
When refinancing, there are usually costs for the land register entry (approx. 0.2-0.5% of the loan amount). These are often more than offset by the interest savings. Our comparison is free for you.
A forward loan secures today's rates for future refinancing (up to 5 years). You pay a small surcharge (approx. 0.01-0.03% per month lead time), but have planning certainty.
No! You have complete freedom of choice. Often the terms are significantly better when switching. Your current bank doesn't have to offer you good rates – new customers often get better terms.
Depending on the loan amount and rate difference, you can save several thousand to tens of thousands of euros over the term. With €200,000 remaining debt and 0.3% rate savings, that's already €6,000 over 10 years.
Compare the best offers for your mortgage refinancing now.
Compare for freeFree • Non-binding • Credit score neutral