Understand your starting point
We start with the end of your fixed-rate period, the expected remaining balance and your current monthly payment. We also consider agreed additional repayments and changes in your financial situation.
PREMIUMHYP · REFINANCING
Prepare for your next fixed-rate period.
You already have a mortgage. Now it is about bringing the remaining balance, a new monthly payment and your current plans together.
Review my refinancing options →Arrange a consultation →
Review your mortgage. Compare your options.
Stay with your lender or switch
We can compare your current lender’s renewal offer with alternatives. We look at the interest rate, the terms and any switching costs. Whether switching makes sense depends on the overall comparison.
Choose the timing carefully
A forward mortgage can fix an interest rate for a later start date. This offers planning certainty, but it is a binding decision and may include a rate premium. We compare the options and their consequences without predicting future interest rates.
REFINANCING
Your document checklist
Tick what you have prepared. Skip items that do not apply. You do not need to have everything ready for our first conversation.
Your selection lasts until you reload this page and is not sent to us. Depending on the lender and project, additional or more recent documents may be needed. We use an agreed secure channel for confidential documents.
YOUR QUESTIONS
What to know before you start.
Should I simply accept my bank’s offer?
Comparing offers gives you a better basis for deciding. Alongside the interest rate, consider the monthly payment, term, principal repayment and the total cost of switching.
Is a forward mortgage always cheaper?
No. It secures agreed terms for the future, but does not guarantee the cheapest outcome in hindsight. The contract generally remains binding even if interest rates fall.
Can I change the repayment rate?
We can look at a different principal repayment rate for the new financing. What is affordable and possible depends on your circumstances and the specific offer.
Let’s discuss your plans.
Together, we’ll work out your next step. Contact me by phone or through the financing enquiry form.
Start a financing enquiry →The enquiry form is in German. I can help you complete it in Polish or German.
Related guides
General guidance, not a financing commitment. The terms of the specific offer apply. Further information in German: Verbraucherzentrale and KfW.