Construction financing - where and how to get advice?

Good day everyone,

I am possibly planning to purchase a condominium and would like to take out a mortgage for this purpose.

Currently, I am fundamentally considering the mortgage financing, as there are basically three alternatives available:
1. House bank
2. Financing broker such as Dr. Klein
3. Fee-based advisor

Where and how did you get advice? For options one and two, I am concerned about their independence, as there seems to be a conflict of interest here (a commission claim only arises with successful financing). Therefore, only the fee-based advisor would be an option for me, as they receive their fee regardless of whether I take out a loan or not.

What are your thoughts on this?

We arranged our home financing through Interhyp, everything went great back then just as we wanted. Our house bank was not an option for us since we only have our accounts with direct banks anyway. Last month I took care of the follow-up financing as a forward loan, this time I inquired not only with Interhyp but also with Dr. Klein. The conditions were almost identical, but slightly better at Interhyp. We were fully satisfied again. I would first inquire with Dr. Klein or Interhyp, it’s free, and if you don’t like the conditions you can always consider a fee-based consultation.

Direct banks are not an obstacle, both ING and the DKB offered us something. In the end, the DKB referred us to the Commerzbank

Sure, the problem is that with the house bank you get one offer and cannot assess whether the offer is good or bad. With Interhyp, I received 4 offers from different banks right away and was able to pick the one that suited me best.

Of course, you can still get an offer from the house bank alongside the free broker.

We have an independent financing advisor. He put together a package from DSL Bank and IBSH for us. Incidentally, we also received an offer from our house bank BBBank, but it is worse. I would always use independent brokers.

Just to ask stupidly. If consultants or intermediaries x, y, or z access the same portal, one should come to the same result everywhere with identical specifications, right?