PremiumHYP knowledge hub
30 topics. Clearly explained.
Guidance and practical pointers for your mortgage – from your first budget to disbursement.
Topic area
Getting started
Full financing without equity
Financing without saved equity may be possible. No single figure decides: income, creditworthiness, property quality, reserves and a sustainably affordable payment work together.
Read article →02The right monthly payment
The best monthly payment is not the maximum you can afford, but one that fits your everyday life, plans and possible changes.
Read article →07Mortgages with existing loans
An existing instalment loan does not automatically rule out a mortgage. Remaining debt, monthly commitments and household surplus matter.
Read article →08Buy or rent
The decision depends on more than rent and loan payments: additional costs, maintenance, equity, ownership period and life plans also matter.
Read article →27Buy, build or renovate
Buying, building and renovating differ in cost risk, timing, subsidies and disbursement. Your priorities set the direction.
Read article →30Personal mortgage advice
No off-the-shelf financing: income, equity, life plans, the property and personal goals form a clear overall concept.
Read article →Topic area
Financing structure
Repayments, instalments and loan term
Principal repayments, monthly payments and loan term directly affect one another. Good financing balances all three for long-term affordability.
Read article →04Flexible repayments
Overpayments and changes to the repayment rate help adapt financing to changes in income or circumstances.
Read article →16What affects mortgage rates
Mortgage rates depend on factors including capital markets, loan-to-value ratio, creditworthiness, fixed-rate period, repayments, the property and the loan amount.
Read article →20Comparing mortgage offers
A good mortgage comparison looks at interest, remaining debt, flexibility, drawdown periods, disbursement and total costs on the same basis.
Read article →21Nominal and effective interest rates
The nominal rate determines ongoing interest. The effective rate includes other pricing factors and helps with comparisons.
Read article →26Planning when interest rates are higher
Higher rates affect budgets and remaining debt but do not rule out home ownership. Purchase price, equity, repayments and subsidies can be adjusted.
Read article →Topic area
Term and property
Commitment interest on new builds
For new builds, loans are usually drawn in stages. Once the commitment-interest-free period ends, additional charges may apply to funds not yet disbursed.
Read article →06Forward mortgage
A forward mortgage fixes terms for future refinancing in advance. Depending on the lead time, an interest premium may apply.
Read article →13Financing renovations
Roof, heating, bathroom and window improvements should be prioritised by urgency, energy savings, cost and financing options.
Read article →15Land and house construction
Land, building costs, utility connections, ancillary construction costs and outdoor works belong in one financing plan.
Read article →22Understanding the German land charge
A German land charge (Grundschuld) secures the bank’s loan and is established through a notary. Understand its amount, ranking and security-purpose agreement.
Read article →24The notary appointment
Before the notary appointment, the purchase agreement, payment due date, land charge and financing must align in timing and substance.
Read article →Topic area
Special situations and subsidies
Mortgages for the self-employed
Self-employed applicants can obtain sound financing when earnings, documents and business development are clearly presented and the lender understands the sector.
Read article →10Mortgages during probation
Probation does not automatically mean postponing a home purchase. Career history, sector, previous employment, equity and a possible co-borrower shape the assessment.
Read article →11Mortgages from age 50
A property can be financeable after 50. Key factors are repayment before retirement, expected pension income, existing assets and a suitable remaining-debt strategy.
Read article →12Rental properties
An investment property involves more than price and rent: non-recoverable costs, reserves, vacancies, tax and property quality also matter.
Read article →14Energy-efficient renovation
Energy renovation can reduce consumption and running costs. Technology, funding criteria, application timing and financing need to be planned together early.
Read article →18Using subsidies
KfW, state and municipal programmes can complement financing. Check current requirements, funding availability and application order before signing contracts or starting work.
Read article →Topic area
Decisions and security
SCHUFA and mortgages
A clear credit profile starts before approaching banks: check your records, organise commitments and avoid unnecessary credit applications.
Read article →19Avoiding mortgage mistakes
The most expensive mistakes often happen before purchase: a tight budget, no reserves, underestimated purchase costs or an unsuitable contract.
Read article →23Financing confirmation
An assessed budget and prepared documents help buyers present themselves more confidently to agents and sellers.
Read article →25Property after separation
Options include selling, one partner taking over or continuing jointly. Ownership, the loan and personal liability must be considered separately.
Read article →28Buying property within the family
Price, gift components, existing charges, transfer of ownership and financing are closely linked in family transactions.
Read article →29Insurance during construction
Construction and renovation can involve liability, property and income risks. Protection needs depend on the project.
Read article →Your individual situation
No two situations are exactly alike.
In a personal conversation, we assess which options truly fit your plans.