Skip to content

We are a credit broker, not a bank. No upfront fees.

CommerzCrediet

Loans

Mortgage

Buying your own home is one of the biggest financial decisions you'll make. We explain the options clearly and support you all the way to the notary.

Calculate & enquire How it works

Key terms at a glance

Loan amount
€25,000 to €1,000,000
Term
12 to 360 months
APR (depending on credit standing)
3.29 % to 5.49 %
Happy couple signing a real estate contract with an advisor

Overview

A mortgage (real estate loan) finances the purchase, construction or refinancing of an owner-occupied or rented property. It is usually secured by a land charge and runs for many years.

Key levers are equity, fixed-rate period, repayment rate and special repayment options. We work through several scenarios with you so the financing remains sustainable if your circumstances change.

Key facts

  • Purchase, new build and refinancing
  • Fixed-rate periods from 5 to 20 years and more
  • Special repayments and repayment changes depending on the bank
  • Check of possible subsidy programmes

Eligibility

  • Adult with regular, sustainable income
  • Adequate equity (at least the purchase costs recommended)
  • Positive credit check
  • Property documents
  • Security via a land charge

Typical documents

  • ID and proof of income
  • Proof of equity
  • Property brochure, land register extract, site plan, floor area calculation
  • For new builds: building specification and cost breakdown
Via an encrypted upload link sent by your contact – never by unprotected email or messenger.

How it works

  1. 1

    Set the framework

    We clarify purchase price, incidental costs, equity and a sustainable monthly payment.

  2. 2

    Enquiry & documents

    You send the enquiry; then we gather the required documents together.

  3. 3

    Compare offers

    We compare fixed-rate period, repayment and flexibility and explain the ESIS sheet.

  4. 4

    Contract & notary

    Once you decide, the loan contract, land charge and payout at the notary appointment follow.

FAQ

How much equity do I need?

Ideally, at least the purchase costs (property transfer tax, notary, land registry, agent if any) should come from equity. More equity usually improves the terms.

Which fixed-rate period makes sense?

It depends on your plans and need for security. Longer fixed periods offer more certainty but are often slightly more expensive.

What is the ESIS sheet?

The European Standardised Information Sheet summarises all key loan terms. You receive it before signing and can use it to compare offers.

Can I repay early?

During the fixed-rate period this is usually only possible with early repayment compensation. Agreed special repayments are separate.

Calculate & enquire

Adjust amount and term and send your enquiry right away. The financing type is already selected.

Key terms at a glance

Loan amount
€25,000 to €1,000,000
Term
12 to 360 months
APR (depending on credit standing)
3.29 % to 5.49 %

Your loan enquiry

Your loan

Financing type: Mortgage

€25,000€1,000,000

Term

For example: used car, new kitchen, heat pump

Your situation
Your contact details

For questions about your enquiry

Finish

We never ask for bank details, PINs, TANs or ID copies via a form.

Please note: a loan is a commitment for years. Only borrow what you could repay safely even if your circumstances change. Over-indebtedness can harm your creditworthiness for a long time. Already struggling with payments? Free help is available from recognised debt advice services, e.g. consumer advice centres, Caritas or Diakonie.

Other financing