Mortgage planning for property in Germany
Plan your mortgage in Germany: calculate first, then compare financing.
Start with a free calculation of purchase costs, equity, loan amount, monthly payment and remaining balance. If the plan fits your budget, you can continue separately to a financing comparison partner.
No account required. The result is an estimate, not a financing offer.
A clear two-stage path
Calculate first. Compare only when you are ready.
The calculator and the partner comparison serve different purposes. Keeping them separate makes it clear which figures are estimates and when you leave German Immo Flow.
- 01
Build a realistic starting scenario
Enter the purchase price, federal state, equity, expected interest rate and repayment rate. Include the relevant purchase costs rather than looking only at the property price.
- 02
Review affordability and financing risk
Check the required loan, estimated monthly payment, amortization and remaining balance. Change assumptions to see how the plan reacts before contacting a provider.
- 03
Request a partner comparison separately
When the scenario looks viable, open the partner website and provide the information it requests. Rates and approval depend on the lender, borrower and property.
What the free calculator covers
The figures needed for a first financing conversation
- Purchase price and typical transaction costs by federal state
- Equity contribution and resulting loan amount
- Estimated monthly payment and interest cost
- Amortization schedule and remaining balance
- Optional rental and investment scenario
Prepare before comparing
Have these facts available
- Purchase price or realistic target range
- Available equity and a separate liquidity reserve
- Household income, employment status and existing obligations
- Property type, location and intended use
- Preferred monthly budget and financing horizon
Important boundary
Planning support, not an individual credit assessment
German Immo Flow does not decide whether you qualify, select a lender for you or issue a binding rate. The calculator uses the assumptions you enter. A lender or authorised intermediary must assess your personal circumstances and the property.
Questions before you continue
Financing path FAQ
Is the calculator result a mortgage offer?
No. It is a planning estimate based on your assumptions. It does not guarantee an interest rate, lending decision or available loan amount.
What happens when I open the partner comparison?
You leave German Immo Flow and open CHECK24 in a new tab. Any information you choose to submit is handled there under the partner’s own terms and privacy notice.
Does German Immo Flow receive my partner application data?
The outbound link does not append your calculator inputs. The partner may report an attributed referral or commission event to its affiliate network.
Should I calculate before comparing?
Usually yes. A first scenario helps you recognise an unrealistic budget early and gives you a clearer basis for a conversation. You can also go directly to the partner if you already know your figures.
Start with the decision you control.
Test your assumptions first. If the monthly payment and remaining debt make sense for your situation, take the separate next step toward a partner financing comparison.
Calculate my financing scenarioOr continue directly
The comparison and any application take place on CHECK24 in German. We may receive compensation for a qualifying mortgage enquiry.