Financing via Mockenhaupt, Reusch, "Financing Group" - experiences?

As written above: Even if the GU is not so great, the intermediary can be top. So there is hope for Mockenhaupt.

The GU was top - only the price was not

Where do you actually work?

It doesn't really matter - but we are among the largest. A lot of money is made everywhere in the platform business.

(Rough calculation: €400k loan at 0.9% effective interest results after 30 years in ~€28k residual debt and ~€60k paid interest, of which 3% is €1,800. Then the broker would come in at 40

Oh, I forgot to mention the assumed monthly rate of €1,200 in the previous post.
(In any case, the €1,800 interest difference over 30 years in the above example corresponds to a difference of 0.025 percentage points, meaning that instead of 0.9% effective interest, I could have gotten an interest rate of 0.875% from the bank and would need to find a fee-based advisor who wants less than €1,800.)


So you pay up to €22k for contract brokerage of €400k? That’s crazy... personally, without real knowledge of the matter, I consider that disproportionately easy money! It’s like printing money...
Besides, in the above example that’s more than a third of the bank’s profit from the interest payment?!? WOW ops:
*google-"loan broker as a side job"-out-of-pure-curiosity-noise"

So then it looks completely different. If instead of €60k interest, I only had to pay €38k, I would be at an effective interest rate of 0.61%.
From the saved €22k, an independent fee-based advisor should easily be able to pay for themselves.

Oh, I forgot to mention the assumed monthly rate of 1200€ in the previous post.
(Anyway, the 1800€ interest difference over 30 years in the example above corresponds to a difference of 0.025 percentage points, i.e. instead of an effective 0.9%, I could have gotten an interest rate of 0.875% from the bank and would have to find a fee-based advisor who wants less than 1800€.)


So you pay up to 22k€ for a contract brokerage of 400k€? That’s crazy.... personally, without really knowing the subject, I consider that disproportionately easy money! That’s like printing money....
Besides, in the example above that is more than a third of the bank’s profit through the interest payment?!? WOW ops:
*google-"Kreditvermittler-als-Nebenberuf"-aus-reiner-Neugier-Geräusch"

So then it looks quite different. If I had to pay only 38k€ in interest instead of 60k€, then I would be at an effective interest rate of 0.61%.
From the saved 22k€ one should easily be able to pay an independent fee-based advisor.

Well, surprise... you can transfer that with many contracts. Including the entire insurance industry. Also retirement provision contracts and so on. In addition, the fee-based advisor gets his salary anyway. He can, for example, also check (against a fee) whether and which existing contracts make sense and which don’t at all. Often enough, investments or their profits are eaten up by commissions and other costs.
The trick is just to find a reasonable advisor. Of course, there are also differences here, up to degree programs with certificates.

The GU was great - just not the price

You can see it that way and the other. There are certainly worse, but above all, significantly better ones.

We once had talks with Massivhaus Mittelrhein. They are a solid and somewhat more expensive ready-made solid house provider. If the guy was unreliable, they would hardly work exclusively with him.

This is not a provider of ready-made solid houses (made of wall panels built in the hall), but of solid houses as type houses stone by stone - so actually a classic general contractor with catalog designs (which I personally recommend, as in my opinion they have an exemplary well-developed model portfolio). However, I "cannot confirm" that they only worked with reputable partners for one of their saleswomen.