Orientation
How much house can I afford?
Still searching and want to know what is truly feasible? We clarify your budget, affordable rate and subsidies, so you search with focus and act prepared.
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We compare rates from over 600 banks & insurers
Your advantages
First the numbers, then the search
Searching without a clear budget costs time and nerves. We flip the order: first we determine your realistic range together: purchase price, rate, equity and subsidies. That way you search with purpose and know at once whether a listing fits.
A clear budget
You know exactly which purchase price is realistic, including incidental costs.
An affordable rate
We calculate the monthly rate that fits your income and your life.
Search with focus
With clear key figures you search more precisely, no time wasted on properties out of range.
Act fast when it counts
When the right property appears, you are prepared and ready to act immediately.
Clear orientation in 6 steps
- 11
Getting to know you & goals
We discuss your wishes: location, size, time horizon and what truly matters to you.
- 22
Income & equity
We capture income, equity and ongoing expenses as the basis for your budget.
- 33
Calculate the budget
With our budget calculator we determine the maximum affordable purchase price, costs included.
- 44
Factor in subsidies
We check early which KfW subsidies (state-subsidised loans) widen your budget.
- 55
Set the key figures
You receive clear parameters for purchase price, rate and equity for your search.
- 66
Act fully prepared
As soon as you find a property, we secure the financing quickly.
The key questions
We answer these four questions with you
Answer these honestly and half the search is won. We handle the rest: with calculators, experience and a personal conversation.
- What is the maximum purchase price?
- Which monthly rate is sustainable long term?
- How much equity should I bring?
- Which subsidies fit my project?
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, still searching
It depends on income, equity, ongoing expenses and the desired rate. With our budget calculator and a personal talk we determine your realistic range, including incidental purchase costs.
Especially then. Knowing your budget early means searching with focus, avoiding disappointment and being ready to act the moment the right property appears.
These include land transfer tax, notary, land register and any agent fee. In Baden-Württemberg they are roughly 10–12 % of the purchase price. We factor them into your budget.
More equity lowers the rate and instalment. Financing with little or no equity is possible under certain conditions. We assess that honestly for you.
Often yes. KfW programmes and regional grants can noticeably widen your financial scope. We integrate them into your concept from the start.
You move seamlessly into our property process: we secure the financing and deliver your financing confirmation for the purchase negotiation.
Clarify your budget now.
With clear orientation you search with focus and act prepared. Start with a non-binding request.