Your budget starts with everyday life
We look at regular income, ongoing expenses, existing loans and the reserve you want to keep after buying. This gives us a budget for your property search.
PREMIUMHYP · PROPERTY PURCHASE
Your home. Sound financing.
Have a property in mind, or want to understand your budget first? We bring together the purchase price, your own funds and a monthly payment that fits.
Discuss my property purchase →Arrange a consultation →
Understand your budget. Then decide.
Plan for the full purchase cost
Alongside the purchase price, the plan needs to include property transfer tax, notary and land registry fees, and any estate agent fees. For an existing property, planned renovations and foreseeable repairs also matter.
Put each offer in context
We compare the monthly payment alongside the fixed-rate period, principal repayment, remaining balance and agreed flexibility. A low initial payment alone says little about how well the financing will suit you over time.
PROPERTY PURCHASE
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.
Do I need to have found a specific property?
No. An initial budget discussion can be useful before you start searching. The final financing assessment will also depend on the specific property and its documentation.
Can I buy without a deposit?
This needs to be assessed individually. Income, security and the property all play a role. Using less of your own money can affect the terms and the risk; keeping reserves is still important.
When should I arrange the notary appointment?
Discuss the timetable with me early. Financing and the necessary contract documents should be clarified before you make a binding purchase commitment.
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.