How a mortgage and our advice work
From the non-binding initial consultation to the release of funds, we handle the work with the banks. Here you can see every step and the scope of our service.
A mortgage is a long-term loan, secured by a land charge, for buying, building or converting a property. The monthly instalment is made up of the borrowing rate and the initial repayment; the fixed-interest period determines how long the rate applies. As an independent broker, Nordfinanz compares the terms of more than 600 banks for this and supports you from the first assessment to the release of funds.
Updated on 16 October 2026
Eight steps, clearly divided: together to your ideal property
We take on most of the work. Your tasks are limited to the initial consultation, your documents and the decisions that only you can make.
-
Initial consultation
You + us Day 1We talk about your project, your budget, your life situation and further details. The conversation is non-binding and possible at our office or by video call.
-
Compiling the documents
You Days 1 to 3With our checklist you gather proof of income and your personal financial statement, plus the documents on the property. We help with sorting.
-
Bank comparison
Us 1 to 2 daysFrom more than 600 banks we filter out the offers that suit your situation. Subsidy programmes (for example from KfW) are checked automatically along the way.
-
Financing concept
Us → you Appointment 2You receive a recommendation with instalment and repayment, plus the right fixed-interest period, explained in plain terms. The decision is yours.
-
Application & bank communication
Us a few daysWe submit the application and clarify all queries directly with the bank. You have peace of mind, can concentrate on the build or the property search and never have to chase anyone.
-
Financing approval
Bank → you often within a few daysThe binding approval is in place well before the notary appointment. This lets you appear reliable and committed to the seller, almost like a “cash buyer”.
-
Notary appointment & release of funds
You, with our support after approvalAt the notary, the purchase contract and land register entry follow, after which the bank releases the funds. For a new build, the money flows according to construction progress.
-
After completion
Us ongoingFrom now on you pay your agreed monthly instalment. We remain available, for example for unscheduled repayments or changes. Before your fixed-interest period ends, we get in touch ourselves if you wish.
What our advice includes and what makes it unique
- Bank comparison across more than 600 institutions, filtered to your situation
- Subsidy check with every concept, KfW and NBank included
- Document handling from the checklist to submission to the bank
- Complete bank communication, we clarify all queries directly
- Support through to the release of funds and with all questions afterwards
- Follow-on financing with a reminder before your fixed-interest period ends, if you wish
- Very good coffee at every appointment at our premises
The initial consultation is completely non-binding
Your starting point is a free, non-binding initial consultation. We get to know each other. You describe your project and we give you an overview of how we work and what is roughly possible. You then decide at your leisure whether we should work together on making your dream property a reality.
No obligations arise from this. Only once you decide in favour of our concept do we accompany you through the entire process, from presenting your case credibly to the bank and the application through to the release of funds.
These documents are needed along the way
You do not need any of these for the initial consultation. The list shows what comes together over the course of the process. We tell you when each document is due.
Personal
- Valid identity document
- Personal financial statement (we provide the template)
Income
- The last three payslips
- The latest tax assessment
- If self-employed: annual financial statements for the last two years
Property
- Property listing and floor plan
- Living space calculation
- Land register extract (we help if needed, of course)
Questions about the process, answered briefly
Market data and local information can be found on our page about mortgage advice in Hannover and on the district pages.
For the first conversation, your key figures on income and equity are enough, plus an idea of your project. Everything else you gather afterwards at your leisure with our checklist.
After the initial consultation you are not committed to anything; it is completely non-binding. Only afterwards do you decide whether we may act for you.
With complete documents, a reliable response is often available within a few days. We discuss the exact timeframe in the initial consultation, as it depends on the property and the bank.
You do not have to come to the office for advice: we can advise you at our office, by phone or by video call. We arrange appointment times flexibly with you; you choose what suits you best. If necessary, at the weekend or in the evening too. BUT: the very good coffee is only available at our office.
Related guides
How much equity do I really need?
How much of your own money you really need when buying a property, and why a sensible buffer is often more important than maximum equity.
From enquiry to notary appointment: the process
What happens between the first enquiry and the handover of the keys, and how long the individual steps up to the notary appointment usually take.
Combining fixed-interest period and repayment wisely
Fixed-interest period and repayment rate together determine how safe and how expensive your mortgage will be. This is how you find the combination that suits you.
Ready for the next step?
The initial consultation is non-binding. You tell us about your project, we tell you honestly what is possible. Then you decide at your own pace.
