Buying a house or flat
Financing for existing properties, including purchase costs and realistic budget planning.
Finance a purchaseMortgage advice · Karlsruhe area
The mortgage that fits your home.
Found your dream property, or still looking? I compare offers from different banks for you, explain every figure in plain language and personally guide you all the way to the payout.
Free and without obligation · Reply within one working day
- Registered mortgage credit intermediary (§ 34i GewO)
- Over 600 banks compared, not just your own bank
- Advice in German, Turkish and English
- In person, by phone or by video
Services
The right financing for every situation
Whether it's your first flat, a new build or an expiring fixed-rate period: I look for the loan that suits your income, your plans and your property.
New build
Financing that follows construction progress, with an eye on commitment fees and the payment schedule.
Finance a new buildRemortgaging
Your fixed-rate period is ending? We compare in good time whether switching lenders or a forward loan pays off.
Check my optionsRenovation
Funds for refurbishment, energy efficiency or conversion, also in combination with existing loans.
Plan a renovationInclude subsidies
I check whether subsidy programmes, for example from KfW or the state, fit into your financing.
Check subsidiesProtection
If you wish, I can also protect your financing, for example with buildings insurance or term life insurance.
Request adviceProcess
Four steps to your financing
You don't need to visit five banks. You talk to me, I take care of the rest.
Initial meeting
We talk about your plans, your income and your equity. In person, by phone or by video.
Budget & documents
We work out what is realistically possible and put together the necessary documents.
Bank comparison
I obtain suitable offers and show you the differences in interest, repayment and flexibility.
Approval & payout
You decide. I support you through to signing at the notary and the payout of the loan.
Start with step 1
Takes about 2 minutes · free and without obligation
Is your fixed-rate period ending in the next few years?
With a forward loan, many banks let you lock in the terms for your next loan up to around five years in advance. The earlier you compare, the more options you have.
Why use a broker?
Your bank is one option. Not the only one.
A single bank can only offer you its own products. As a broker, I look at several offers and find the one that suits you.
Your bank only
With a broker
One offer
Several offers compared
Separate appointments at each bank
One contact for all banks
Submitting documents again and again
Documents prepared once
Advice on the bank's own products
Advice based on your situation
About me
Tolga Ergen
I'm a mortgage credit intermediary and help people in the Karlsruhe area finance their property on a solid footing. It matters to me that you understand every decision before you sign anything.
- Mortgage credit intermediary (§ 34i GewO)
- Register no. D-W-153-HSZZ-35
- German, Turkish and English
Be prepared
Documents we usually need
Don't worry if you don't have everything yet. We'll go through the list together in the first meeting.
- ID card or passport
- Payslips from recent monthsSelf-employed: tax assessments and management accounts (BWA)
- Proof of equitye.g. bank statements, building savings contract (Bausparvertrag)
- Property brochure (Exposé)
- Land register extract and cadastral map
- Floor plans, living space calculation, photos
Frequently asked questions
Good to know
What does the brokerage cost me?
The brokerage costs you nothing: I receive a commission from the bank you take out your loan with. I don't charge you a fee. The initial meeting is free and without obligation.
How much equity do I need?
That depends on the bank and your situation. It is often recommended to cover at least the purchase costs such as property transfer tax, notary and estate agent yourself. In our conversation, we'll work out what is possible in your case.
How long does approval take?
Once all documents are complete, it's often quicker than many people think. The exact time depends on the bank and the property. I'll keep you updated at every step.
Do I have to accept an offer?
No. You only decide once you have understood the offers and compared them at your own pace.
Can I ask before I've found a property?
Yes. Many people come first to find out what purchase price is realistic. With a financing confirmation, you'll be in a much stronger position at viewings and in negotiations.
Which languages is advice available in?
Advice is available in German, Turkish and English.
Financing check
Your personal assessment in 2 minutes.
Answer a few short questions. I'll get back to you within one working day, however you prefer: by phone, WhatsApp or email.
- Phone0176 80226987
- WhatsAppSend a message
- Emailinfo@et-finanzen.de
- OfficeIm Ochsenstall 32b, 76689 Karlsdorf-Neuthard