For owners
You already own a property? We take your financing further.
Follow-up financing, modernisation or capital from your property: as an existing owner you benefit from a concept that optimises your financing instead of merely continuing it.
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Services
Make more of your property
Your property is more than a home: it is a value you can plan with. Whether your fixed period is ending, a renovation is due or you need capital for a new project: we design the concept that fits your current situation.
Follow-up financing
Fixed period ending? We lock in better terms in good time, including forward loans.
Modernisation
Renovate, convert, upgrade energy efficiency: we finance your project, subsidies included.
Capital from property
Use existing property as security, for modernisation or further projects.
Optimise your terms
We check whether refinancing or a top-up is worthwhile for you.
Follow-up financing in 6 steps
- 11
Take stock
We review your current financing, residual debt and fixed-rate period.
- 22
Clarify the goal
Follow-up, modernisation or capital need? We define your project.
- 33
Property & value
We look at the current value of your property and possible security.
- 44
Concept & subsidies
We design the concept and integrate KfW and subsidised loans.
- 55
Compare banks
We gather offers and find the right bank for your situation.
- 66
Closing & support
We support you until disbursement, personally from Karlsruhe.
Why Zinskonzept
Your advantage as an existing owner
Most owners simply extend with their house bank, often without comparing. We obtain offers from the market for you and show what is really possible.
- Bank-independent: many banks, not just your house bank.
- Lock in follow-up early, up to 60 months via forward.
- Combine modernisation cleverly with subsidies.
- Available evenings and weekends, in person in Karlsruhe.
Quick request · 2 minutes
Non-binding financing request
Just a few short questions for an instant first assessment. We'll get in touch personally, for the full financing confirmation you complete your self-disclosure afterwards.
- Instant assessment, no waiting
- 100% non-binding & free
- Personal reply from Karlsruhe
Investment or own home?
Your starting point
Which type of client are you?
FAQ, existing owners
We advise on follow-up financing, modernisation and raising capital against your property. As a bank-independent broker we compare many banks and find the right concept.
Ideally early. Up to 60 months before your fixed period ends you can lock in today's terms via a forward loan. We check whether that pays off for you.
Yes. Renovation, conversion or energy upgrades can often be integrated into the financing, including suitable subsidies such as KfW programmes.
If your property offers value and scope, that is often possible. We review security, credit standing and your project and show what makes sense.
Sometimes significantly. We compare your current terms with the market and calculate honestly whether a switch or top-up brings advantages.
The initial consultation is free and non-binding. We are paid by the bank on success, at no extra cost to you.
Get more from your financing.
Whether follow-up, modernisation or capital need. We build your concept. Start with a non-binding request.