MortgageAdvice
Whether it's a flat in Sachsenhausen or a house in the Rhine-Main region: the right mortgage can make a difference of tens of thousands of euros. Nelson da Silva – a certified mortgage specialist (Fachmann für Immobiliardarlehen IHK) – guides you from your first budget check to the notary appointment.
What makes a good mortgage.
Five levers that determine your monthly payment and the total cost.
- 01
Deposit (Eigenkapital)
The bigger your deposit, the better your terms. At the very least, you should be able to cover the purchase costs yourself.
Purchase costsBetter ratesSecurity - 02
Purchase costs in Hesse
Property transfer tax (Grunderwerbsteuer, 6 % in Hesse), notary and land registry fees and, where applicable, an estate agent's commission come on top of the purchase price.
6 % GrunderwerbsteuerNotary & land registryAgent, if any - 03
Fixed-rate period (Zinsbindung)
How long your interest rate stays fixed – 10, 15 or 20 years. A longer fixed period means more predictability.
PredictabilityInterest-rate riskFollow-up financing - 04
Repayment & overpayments
Your repayment rate determines how quickly you're debt-free. Special repayments (Sondertilgung) give you flexibility.
TermFlexibilityTotal cost - 05
Protection
Term life insurance and income protection (BU) safeguard your family and your loan – often a condition set by the bank.
Term lifeIncome protectionBuildings insurance
Mortgage in Frankfurt Your path to owning property in Frankfurt.
Whether it's a flat in Sachsenhausen or a house in the Rhine-Main region: the right mortgage can make a difference of tens of thousands of euros. Nelson da Silva – a certified mortgage specialist (Fachmann für Immobiliardarlehen IHK) – guides you from your first budget check to the notary appointment.
What does your home cost per month?
Move the sliders – the monthly instalment is recalculated instantly. In seconds, you can see what is realistic.
- Loan amount
- €405,000
- Additional costs
- €45,000
- Equity
- €90,000
- Interest in year 1
- €14,580
Sample calculation (annuity loan), non-binding and without guarantee. Your actual terms depend on your creditworthiness, the property and market conditions.
Request financing →One contact for loan and cover.
Loan comparison
We compare offers and negotiate terms that fit your budget.
Everything in one place
Mortgage, buildings and life cover, all coordinated – instead of three different contacts.
In your language
Loan agreement and notary appointment explained clearly – in English, German, Portuguese, Spanish or Italian.
How I work.
Budget check
Income, deposit and the property you have in mind – we work out what's realistic.
Financing confirmation
With a financing commitment (Finanzierungszusage) in hand, you negotiate from a stronger position.
Compare offers
Interest rate, fixed period, repayment and overpayment options – transparently side by side.
Notary & protection
Support all the way to the notary appointment, plus the right cover for your home and family.
Good to know.
As a rule of thumb, you should pay at least the purchase costs from your own funds. A larger deposit significantly improves your interest rate.
Property transfer tax (Grunderwerbsteuer) in Hesse is 6 % of the purchase price. On top of that come notary and land registry fees and – if an estate agent is involved – the agent's commission.
Yes. What matters most is your residence status, your income in Germany and your creditworthiness (Bonität). We'll look at your options together.
It depends on interest rates, the loan term and your plans. Longer fixed periods offer more security, shorter ones more flexibility.
The first consultation is free and without obligation.
Your home, solidly financed.
Let's run the numbers on your mortgage together – free of charge and without obligation.