Construction financing - Different statements by intermediaries

Hello,

I have an offer from a property developer for a house with land.
Previously, I had already inquired at Interhyp and provided my personal "key data" and a "fictional" construction project to see if and how financing is possible.
I received various financing offers/options and, based on my key data (civil servant, income, expenses), was also told that there were probably "no concerns"...
A week later, as I said, I also had the offer from the property developer, which corresponds quite exactly to my "fictional" construction project (location, size, usage, costs, etc.)
However, the property developer/seller said that the financing should be done through "his" mortgage lender because he works with him on all construction projects ("If he can't manage it, then no one can," "He sometimes has direct contacts with the banks and can also solve difficult cases" ...and similar common statements).
Since I am not necessarily bound to Interhyp and I am also quite "emotionally detached" about it, I turned to "his" mortgage lender with the same "key data," etc.
But from him, rather statements like "I see financing as difficult," "all banks light up red for me," "we still need to do some follow-up work" came.
My question is, are there such differences between mortgage lenders, or does Interhyp handle offers somewhat more leniently... or am I perhaps a difficult case after all?

I know this is quite general, but maybe someone can share some inside information or has an explanation for this?

Thank you :)

My question regarding this: are there such differences among mortgage lenders?

Yes, one calculates more reliably, the other does not. They also offer different terms, depending on their philosophy or your facts.

Or am I perhaps a difficult case after all?

We don't know. We don't know your salary and your financial situation. Then you are also single... there aren't many banks that provide financing for a single person. Most want two incomes as security.

Unfortunately, it is often the case that intermediaries see everything through rose-colored glasses, hoping to somehow push the financing through.

Just think about it:
Where do you feel more comfortable (at first) – with the intermediary who immediately says "Everything is easy, we can fulfill your big dream" or with the one who says "It's tight, you'd better save a little more, then it will be easier to present...."?

It is unfortunately often the case that brokers see everything through rose-colored glasses, hoping to somehow push the financing through.

Think about it:
Where do you feel more comfortable (at first) with the broker who immediately says "Everything's easy, we can fulfill your big dream" or with the one who says "It's tight, you'd better save a bit more, then it can be presented better...."

That is a good point. Thank you.

Yes, one calculates more seriously, the other not. They also offer different conditions, so individually according to their philosophy or your facts.

We do not know that. We do not know your salary and your financial situation. Then you are still alone... there are not many banks that provide financing for a single person. Most want two salaries as security.

Thank you very much for the answer. During the consultation with Interhyp, I was able to directly see the input mask of the financial broker and also immediately the possible banks with approval and the corresponding conditions. That is why it looked quite promising and serious to me. But of course each broker approaches it differently.

But surely every broker approaches it differently.

Since you have already posted your house design in parallel (I must admit that I confused you with another Will builder who also wants to build a miracle of space but is single), the numbers possibly do not surprise me. What numbers did the first broker have on the table? What does your further cost plan look like? How much equity and how much financing did you want for what? The bank person from Town & Country probably has the background knowledge about the additional incidental costs that the Interhyp person did not have?! Let’s not kid ourselves: for 200,000 you can no longer get a house from Town & Country, nor any affordable wood at the moment.