A mortgage starts with the complete calculation.

Establish the whole cost before committing to the price

A reliable plan combines the purchase price, transaction costs and immediately necessary work. A new build also needs land, construction, ancillary costs, infrastructure and external works. Keep a separate contingency for unexpected expenses.

HBW Finance discusses planned costs, available own funds and ongoing commitments with you. Together these form the basis of your financing enquiry.

Information you need for your decision

• A breakdown of the total requirement and available equity.
• A household budget including future ownership costs and reserves.
• Clear assumptions about the fixed-rate period, initial repayment and remaining balance.
• A list of the property and income evidence still required.

Understand the payment

Example: a €300,000 loan at an assumed 4% borrowing rate and 2% initial annual repayment starts at €1,500 a month. This explains the calculation, not an available interest rate. The bank decides whether to lend after assessing your circumstances and the property.

Existing houses, apartments and new builds differ

Fixed-term circumstances are not an automatic refusal

A fixed-term residence permit or employment contract does not automatically rule out a mortgage. We assess your individual circumstances and explore which lenders may be willing to consider your application. The type and remaining validity of your permit, employment history, income, deposit and property all matter. Approval remains subject to the lender’s assessment; a particular outcome cannot be guaranteed.

Start with the essentials

Tell us the property location, intended price or building budget, approximate own funds and current timetable. We agree any personal financial documents afterwards. If you have not found a property, start with a budget assessment; binding finance will later require the actual property.

An initial assessment within 24 hours

Speed often matters when buying a property. That is why we focus on direct communication, personal support and prompt handling of your mortgage enquiry.

We offer a particularly fast service for employed applicants: Once we have received your complete documents, you will receive our initial assessment of your financing options within 24 hours.

This saves valuable time and helps you plan the next steps towards your notary appointment.

Processing Monday to Friday, excluding public holidays. Our 24-hour service applies exclusively to employed applicants who have submitted complete documents. Processing may take longer for self-employed applicants and freelancers. The initial assessment is not a binding mortgage approval. The final lending decision is made by the financing institution.