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Arenja & Raj Finanz

Your fixed rate is ending. What now?

A German mortgage is not repaid when the fixed period ends — a balance remains and needs new terms. This works out what is left, what the offers cost, and whether the ten-year termination right applies to you.

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Your existing loan

€
%
%
years

The offers on the table

%
%
%

Raising this shortens the loan considerably. It costs more per month but almost nothing in total interest.

Switching saves you

€0over 10 years

Remaining balance now–
Payment on your bank's offer–
Payment on the better rate–
Interest over 10 years, your bank–
Interest over 10 years, elsewhere–
Already repaid
–
Debt after 10 more years
–
Switching costs
–
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Follow-on financing is the least glamorous decision in a German mortgage and often the most valuable per hour spent on it.

Want an offer based on these numbers? Leave your details and we will call you back with something concrete — usually the same working day.
How this is calculated
  • The remaining balance is calculated by amortising your original loan at the original interest and repayment rates for the number of years entered. German annuity loans keep the payment constant while the interest share falls and the repayment share grows.
  • The comparison applies both offered rates to that balance at your chosen new repayment rate, and adds up the interest over the following ten years. The saving is the difference.
  • The ten-year right: under section 489 of the civil code you may terminate a mortgage with six months' notice once ten years have passed since full disbursement, whatever fixed period you agreed, with no early repayment penalty. Where that applies, the calculator says so.
  • Switching costs are the assignment of the existing charge over the property to the new lender — typically a few hundred euros in notary and land registry fees, and often covered by the new bank. No new notary appointment for the property and no transfer tax.
  • Not modelled: an early repayment penalty if you leave inside a fixed period before year ten, forward loan surcharges, valuation fees where a lender requires one, and any lump sum you might pay in at the switch.

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