Home-loan balance comparison
Current loan versus the selected refinance offer
Germany · EUR
Germany mortgage refinance calculator.
Compare your current German mortgage with refinancing or follow-on financing, including switching costs, early-repayment compensation, additional borrowing and rate scenarios.
Refinance offer comparison
Results include the entered break cost, selected cost treatment, cash out and consolidated debt
| Scenario | Rate | Term | Loan amount | Payment | Upfront cost | Break-even | Balance at horizon | Horizon result |
|---|
New-rate sensitivity
How Offer A changes if its interest rate is higher or lower
| Rate change | New rate | Monthly repayment | Break-even | Horizon result |
|---|
Planning estimate only—not a lender quote, payout statement, valuation, tax calculation, credit decision or recommendation. Confirm early-repayment compensation, discharge and land-register fees, valuation, lender conditions and loan terms.
German refinancing guide
Should you refinance a mortgage in Germany?
German borrowers commonly arrange follow-on financing (Anschlussfinanzierung) when a fixed-interest period ends. Refinancing can also move the loan to another lender, change the term or repayment plan, or add borrowing. A lower rate alone does not guarantee a lower overall cost.
This calculator compares payments, switching costs and remaining balances over your chosen time horizon. It also shows a simple break-even period, loan-to-value ratio and higher-rate stress scenario.
Follow-on financing and lender switching
Before the fixed period ends, compare a renewal offer from the current lender with offers from other banks. A lender change can involve assignment or discharge of the land charge, valuation and advisory costs. Enter actual quotations where possible.
Early repayment
Leaving a fixed-rate agreement early may trigger Vorfälligkeitsentschädigung. Use the lender's current written amount; contractual and statutory exceptions require individual review.
Forward loan
A forward loan may secure a rate before the existing fixed period ends, usually with pricing that reflects the advance period.
Term reset
A longer new term can lower the payment but may increase total interest and delay repayment. Compare balances at the same date.
Additional borrowing
Adding debt increases the new balance and LTV. The lender will reassess property value, income, affordability and loan purpose.
Break-even and remaining balance
The payment break-even divides upfront switching costs by monthly cash-flow improvement. The horizon result also compares remaining balances, helping reveal cases where a lower payment mainly comes from extending the term.
Use the Germany mortgage calculator for a detailed amortisation projection and the Germany LTV calculator to examine the financing ratio.
Germany mortgage refinancing questions
What is Anschlussfinanzierung?
It is the financing arranged for the remaining mortgage balance after the current fixed-interest period ends. It may be agreed with the same bank or a new lender.
Can I refinance before the fixed period ends?
Possibly, but early-repayment compensation and contract conditions may apply. Ask the lender for a current settlement figure and obtain advice where needed.
Is a lower monthly payment always better?
No. Extending the term or financing costs can reduce the payment while leaving more debt and increasing total interest.
Is this calculator a financing offer?
No. It is an illustrative comparison. The lender's quotation, valuation, underwriting and legal documentation determine the actual result.