Financing house construction, costs, additional costs and renovation

Don't go to the loan broker. Go to a local bank. They will respond to you much more individually. Explain your situation. Show that you have been reformed and present a solid financial plan with a detailed cost breakdown of household management. If the banker sees that you can now deal with finances in a sustainable and realistic way, you might not get the best conditions but maybe at least a chance.

PS. If at all possible, keep the father-in-law out of it as a guarantor.

Thank you very much for this feedback. We will now apply for the loan together and our father-in-law will act as a guarantor. I think this changes the situation and we are still lucky.

Or the father-in-law is unlucky. But I don't want to go over the topic "It's your project, don't involve your parents" again.