Our financial situation - Your opinion?

You, me neither, before my financing search...

Maybe your property is being undervalued? Do you know what loan-to-value ratio the previous banks have calculated?

Check your Schufa score. The conditions depend on various parameters.

I have now submitted an inquiry directly to them ;)

The loan-to-value ratio was always between 63% and 68%. Banks do calculate differently after all. Sometimes market value, sometimes standard land value, sometimes a 10% safety discount, sometimes including the kitchen, sometimes not.

I am always surprised to read that people have received a better offer from brokers than directly from the bank. So far, I cannot confirm this in a single inquiry. On the contrary: the differences were significant (e.g., as with the Commerzbank, directly and via Interhyp, a difference of 0.2%).

Check your Schufa score. The conditions depend on various parameters.

But the banks only do the Schufa check after approving the financing, right? But there shouldn’t be anything negative in it anyway ;)

I am not a mod here (was merely asked)

Is this a voluntary position? Now I have to write a few words because of the minimum, even though I don’t know what.

I am always surprised to read that people have received a better offer through intermediaries than directly from the bank. So far, I cannot confirm this with a single inquiry.
On the contrary: the differences were significant (e.g. with Commerzbank, directly and via Interhyp, difference 0.2%).

exactly my experience (was at Dr. K)! The advisor I had there was an absolute airhead. Original quote was something like "this will be difficult, we have to work with a home savings contract" .... in my opinion, you can do without such advisors, they earn yet another fee on the deal. In my talks with 2-3 banks I got a better deal than what they came up with at Dr. K.