01 · Key points
What matters for this topic
Compare offers on the same day
Understand the loan-to-value ratio
Request the same fixed-rate period and repayment rate
Consider total costs
02 · Be prepared
Points you should not underestimate
- Confusing an advertised rate with a personal offer
- Comparing different assumptions
- Ignoring additional costs
03 · Documents
Commonly required documents
The documents actually needed depend on the lender, your plans and personal circumstances. The following are often useful for preparation:
04 · Practical example
What an assessment might look like
Two apparently different rates may reflect different repayment rates, fixed-rate periods or loan-to-value ratios. Only matching assumptions make them comparable.
This example is illustrative only and is not a mortgage commitment or quotation of terms.05 · Frequently asked questions
Questions about What affects mortgage rates
Why am I not offered the advertised rate?+
Advertised rates usually apply only to specific examples. Your terms depend on personal and property-related factors.
Does more equity always improve the rate?+
Often, but not at a uniform rate. The bank’s internal lending thresholds matter.
Important information
The information on this page is general. It does not replace individual mortgage, legal or tax advice and is not a binding credit commitment. Requirements and terms are assessed individually.