Strategy for best home financing conditions

What is the best strategy to get the best conditions for home financing?

We consulted Interhyp and received an offer. Is it advisable to take the Interhyp offer to another financial broker (e.g., Dr. Klein) and negotiate for a better deal? I will definitely ask my house bank for a better rate than Interhyp, but I am not sure if it makes sense to go to other financial brokers hoping for a better offer. On the other hand, are there negative consequences if I consult multiple brokers and give all of them my personal data?

Thank you A.

One-man broker offices may still come somewhat under the conditions of the large brokers if you discuss room for maneuver with them. Some of them also add additional subordinated lenders.

Going through the banks yourself takes time; contacts within the bank are certainly helpful when it comes to "the best" conditions. My personal perception was that you do not initially get special conditions at your home bank and that you get better ones through intermediaries at the same bank.

I myself spared further effort due to possible 0.1 or 0.2% with a relatively short term and stayed with the intermediary with whom the collaboration had already been enjoyable during the offer phase.

No matter what exact conditions are ultimately stated in the contract, it will be one of the best conditions ever seen in the last 100 years. So don’t stress too much, go to an intermediary and be happy about a great offer.

My personal perception was that you do not get special conditions initially at the house bank and get better ones through intermediaries at the same bank.

I see it differently. As a long-term customer (6 years) I was able to negotiate the desired conditions at the house bank. The bank advisor would always say, "I have to ask the board." And the board agreed.

House bank, 2 large brokers and a Nebenhof broker. After that, you have the cheapest on the table. I also had the feeling that the small one was more individual. House bank was too far away, are full

I also visited Interhyp, Dr. Klein, my house bank, Postbank, and an independent broker. Interhyp was good but inflexible (25 years term offered, when asked about 20 years: Yes, then it’s the same conditions). Dr. Klein said he didn’t feel like dealing with it if other brokers are already involved, because apparently offers in the EP program would be blocked if other brokers had previously requested. Could be. The offer I then received was so far from the market that further discussions were unnecessary. The house bank was my first point of contact and the biggest disappointment: high equity ratio, the bank with the big S offers a maximum of 15 years term. Through a broker, 20 years. When I asked the bank, I was told that this is only for new customers to attract them. So I was uninteresting as an existing customer. Also no interest in offering anything. Therefore, I will take my account elsewhere. I finally went with an independent broker: great contact, good offer, wishes considered. That’s how it should be.