First financing offer

I still have to calculate this other variant (first 5, then 10 years fixed).

The magic number would be 2.80%.

5 years at 1.11% and then another 10 years at 2.80% come out the same as fixing for 15 years directly at 1.95%.

The big question is therefore, can you fix for another 10 years in 5 years at less than 2.80% and thus "win" (save), or do you have to fix at more than 2.80% and thus "lose" (additional interest burden).

I am surprised by the interest rates currently mentioned here. At the moment, there should be better offers. I closed in June 2016, and that was, if I can trust the interest rate charts, a very unfavorable time. That was the peak in the last 1 1/2 years. We got an interest rate of 1.99 for 15 years with just under 80% loan-to-value. I estimate that with current financing I would be about 0.4 below that. However, it now seems here as if the conditions are similar to mine last year.

That is really complaining at a high level. With the interest rates, you have such high repayment (with a low rate), that's almost luxury financing. A little over 2.5 years ago, we had 2.3% with less than 50% loan-to-value for only 10 years.

That is clear
Nevertheless, it was still much better compared to the offers we had in April 2015.
Nevertheless, I am surprised about the conditions mentioned here. They should be "even" better - I suppose.

I obviously meant - that the offers from April 2015 were significantly better than in June 2015

No idea, I guess it is still cheaper than at a Sparkasse. But I prefer to pay a little more at a Sparkasse than to choose an online offer. Maybe it also has something to do with the repayment rate as well as the loan amount?