The high fees are due to the registration of the land charge. We bought our property (NRW, 80k) with own funds and paid 1.53% for the notary and land registry office. The registration of the land charge is added on top. Just Google "Grundschuld Gebührenrechner". With a purchase price of 122k and a land charge registration of 447k, the calculator of choice shows total costs of 3488 EUR - without letter/notary escrow account/confirmation. Extra requests of course cost more.