
With a short fixed interest rate period, on the other hand, you benefit from a lower interest rate. However, you also have to accept higher costs, because the longer the fixed interest rate, the higher the interest rate that the bank will call. The longer you fix the interest rate, the more security you have in planning your mortgage loan. There are three main decisions you need to make for your mortgage in Germany: First, there is the question of how long you want to fix the interest rate, then how quickly you will repay your loan, and finally how much equity you want to invest. Together with our team of experienced brokers, you will understand the nuances of your situation and fine-tune your mortgage decision. You are different from the average customer, sometimes a little and sometimes a lot. We discuss the outcomes and logic of the recommendations with you. This is how we can understand exactly what offers are available and what conditions they have.Ĭombining this lender know-how with given information (like your salary) and projected information (like your salary outlook), we evaluate a range of scenarios and outcomes to see how you will fare under different conditions. We then model and estimate their hidden conditions. To optimize the recommendation engine, we review daily the mortgage products and conditions of over 750 lenders. Our engine combines modern finance theory with practical insights from our team of mortgage brokers. Chris Mulder, if you will) when he worked at the IMF and World Bank to develop models used to guide countries to manage their debt. The recommendation engine was built based on experience gained by our co-founder Chris (Dr. We will begin by asking you several key questions, which will help us determine which mortgage products could work best for you.

To find you the optimal mortgage, we will use our unique Hypofriend Recommendation Engine.
