01 · Key points
What matters for this topic
Clarify goals and priorities first
Calculate a budget with a buffer
Choose suitable banks and subsidies
Compare offers transparently
Personal support through disbursement
02 · Context
Advice starts with listening
Before comparing banks and products, we focus on your plans, desired monthly commitment and future goals. These establish clear parameters for market comparison.
03 · Context
Independent comparison with explanations
An offer is good only if you understand it. PremiumHYP clearly compares interest, repayments, remaining debt, flexibility and total costs, explaining their effects.
04 · Context
Support continues after approval
Documents, purchase contract, land charge, disbursement requirements and queries must be coordinated. You keep one adviser through full disbursement.
05 · Be prepared
Points you should not underestimate
- Choosing products before assessing needs
- Focusing on interest instead of the overall strategy
- Unclear contract details
- No support after approval
- Ignoring life plans
06 · Documents
Commonly required documents
The documents actually needed depend on the lender, your plans and personal circumstances. The following are often useful for preparation:
07 · Practical example
What an assessment might look like
Two clients with the same income may need different solutions: one prioritises quick repayment, the other flexibility for family and renovation. Personal advice reveals that difference.
This example is illustrative only and is not a mortgage commitment or quotation of terms.08 · Frequently asked questions
Questions about Personal mortgage advice
What does the first consultation cost?+
Remuneration and any costs are discussed transparently before starting. The initial enquiry is non-binding.
Can advice take place online?+
Yes. Advice is available in person in Berlin and online throughout Germany.
Which banks are considered?+
A broad selection suited to the situation is compared. Suitability and comparability matter more than numbers alone.
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.