Construction financing - where and how to get advice?

No. One still uses local banks here, the other adds a government package here. So they all differ from each other after all.

Well, roughly speaking, that's how it is. Maybe not down to the second decimal place, but the first and the one before the decimal point should be the same with capable personnel. You can also check yourself online what the current conditions are. For example, google fmh hypotheken-vergleich.

With free intermediaries, the bank pays the commission. However, the bank logically factors these costs into the offer.

With a fee-based advisor, the terms are usually somewhat more favorable, but whether the entire process becomes cheaper as a result cannot be said in general.

Now for a stupid question. If consultants or intermediaries x, y, or z access the same portal, one should come to the same result everywhere with identical specifications, right?

The difference is simply that the fee-based advisor always receives a fee from you, regardless of whether you take out a loan or not. The fee-based advisor is not subject to any conflict of interest. It's not about getting an offer that is 0.01 percent cheaper.

The question is, what kind of consulting do you need? Is it about the basic structure of the financing? In most cases, a standard annuity loan makes sense. Do you have any points that complicate your financing? Assuming that, like almost all home builders, you take an annuity loan and have no other complicating factors, I now see little reason to spend money on a fee-based consultant. You have to clarify the crucial questions yourself anyway. How much money do you have, how much do you want to pay each month, how long do you need the fixed interest period? For the latter case, there is an offer comparison calculator from FMH that shows you how high the interest rate for the follow-up financing can be in order for the loan with the shorter term to be worthwhile. In the end, you have to decide for yourself. At this point, it is not entirely clear to me what exactly you expect from the fee-based consultant.

For me, the house bank and the advisor would be enough. You also get a feel for the conditions.

I have also had good experiences approaching small advisors who don’t have the whole huge administration behind them.