Modernisation & refurbishment
Modernisation loan: renovate, convert, save energy
Whether a new heating system, insulation or age-appropriate conversion: we finance your modernisation and integrate KfW subsidies and grants, bank-independent advice from Karlsruhe.
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Modernisation, cleverly financed
A modernisation pays off twice over: it makes your home more comfortable and lowers energy costs. To make the project add up financially, we combine a modernisation loan with suitable subsidies, so you get the best terms for every euro.
Energy refurbishment
Insulation, windows, heating or solar. We finance your energy transition at home.
Conversion & renovation
Bathroom, roof, layout: we finance modernisation and age-appropriate conversion.
Use subsidies
We deliberately integrate KfW programmes and grants for refurbishment.
Increase value
Modernisation lowers energy costs and often raises the value of your property.
Modernisation in 5 steps
- 11
Describe the project
You outline your modernisation project and your cost framework.
- 22
Check subsidies
We check suitable KfW programmes and grants for energy refurbishment.
- 33
Build the concept
We sensibly combine modernisation loan, subsidies and any equity.
- 44
Compare banks
We gather offers and find the right financing for your project.
- 55
Closing & disbursement
We support you until disbursement, personally from Karlsruhe.
Subsidies & advantages
Energy refurbishment is subsidised
Anyone refurbishing for energy efficiency can often use low-interest subsidised loans and partly grants. We check which KfW programmes fit your project and integrate them into your financing concept.
- Modernisation loans often possible without a land register entry.
- Energy refurbishment combined with KfW subsidies.
- Grants and subsidised loans are checked too.
- Bank-independent: many banks, not just one house bank.
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, modernisation
A modernisation loan (Modernisierungsdarlehen) finances renovation, conversion or energy measures on your property. Smaller sums are often possible without a land register entry; larger projects are structured like a mortgage.
From a new heating system, insulation, windows and roof to bathroom and kitchen renovation and age-appropriate conversion. Solar and heat pumps can be included too.
Through the KfW (state development bank) there are low-interest subsidised loans and partly grants for energy refurbishments. We check which programmes fit your project.
Often yes: it lowers ongoing energy costs, frequently raises property value and is subsidised. We calculate with you whether and how your project pays off.
Yes. If follow-up financing is due anyway, the modernisation need can often be elegantly integrated into the new concept.
The initial consultation is free and non-binding. We are paid by the bank on success, at no extra cost to you.
Ready to modernise your property?
We combine a modernisation loan and subsidies into your concept. Start with a non-binding request.