Loan broker or directly to the bank?!

I find it hard to imagine, because there’s also a decent commission involved.

There are quite a few banks that don’t have branches on site.

Also, some insurers have increasingly shown interest in providing financing.

Checking them all one by one is very tedious.

Banks with branch networks do offer quite different terms through intermediaries or directly. After all, the bank saves the “cost” of closing the deal.

When concrete offers are presented by the intermediary of the local savings bank, for example; then sometimes they can match them.

Would at least visit an intermediary. With us, 2 banks were rather bad (especially the house bank!) regarding the conditions and the intermediary had a huge selection, including insurers. That's where we then made the deal. The 1% commission for the bank or the intermediary is possibly the same for all(?).

We had incidentally already inquired ourselves at Ing-Diba and later again with an intermediary, I think it was Interhyp, to see if they had anything better. But they did not. The ING was also the best offer there and at the same conditions as had already been offered to us directly. But the service was good and they were able to compare everything much faster than we could – we had just landed a lucky hit.

Hello, I have been working with an intermediary for years, having taken out several loans there! I used to go from bank to bank individually, a lot of work and no profit seen!

I write an email stating exactly what I need and the offers come flooding in by email.

I can then compare and decide calmly.

Intermediaries also usually know special conditions from certain banks!

Best regards