Loan application of 1.8 million was unconvincingly rejected after 4 weeks

so with a volume of 1.8 million, one is rather talking about individual loans (IK), so it is difficult to compare it with the usual platforms.

Many banks only go up to 0.5 or 1.0 million in loan amounts via the platforms anyway; sure, with some you can represent several million, but under "reservation"
everything above that must be clarified "individually" with the bank.
one must also consider that from certain amounts, banks FIRST have to create a VALUATION REPORT before moving on to the conditioning. That means in such cases I do get an immediate condition from the bank, but it is only an "indication", i.e. if all criteria are met (including the valuation reaching a certain value) then the bank will adhere to it.

and in the end a small value that the bank does not like can already cause the whole thing to collapse.

PS. there are many banks that do not want to provide financing where a prepayment penalty is paid (customer wants to get out of the contract without the property being sold = the bank is not obliged to release the customer from the contract... and almost all banks stick to that... i.e. if one bank releases a "customer" it can also create the impression with another bank that they are happy to get rid of that customer...)

so what does the broker say? he has certainly communicated a lot with the bank, and if one has good contacts with the "bank", then he will certainly also get a tip under reserved hand about what it actually depended on...

The free capital is used to purchase another property for rental, generating corresponding income. According to the intermediary, he has consulted multiple times with the bank's specialist department regarding financing feasibility. His feedback, to my knowledge, is not based solely on an automated check but on an individual case assessment due to the high financing volume.

The intermediary is not an employee of the bank but of the platform. As stated, mark it off, you will achieve 0.0. Everything that is in offer mode is an offer, nothing more and nothing less. Nothing binding

The intermediary wants the communication to go through him because he receives his commission for it. The bank wants the communication to go through the intermediary because they pay him for acquisition and don’t have to deal with private end customers (because they are extremely annoying). If you don’t like that, you should go directly to the banks.