Mortgage refinancing
Is your fixed-rate mortgage period ending soon?
Compare refinancing options for your remaining mortgage balance and plan your next financing period before your current interest rate expires.
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Compare offers free of charge and without obligation
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Start a SCHUFA-neutral enquiry
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Request suitable refinancing offers in around 3 minutes
Quick refinancing check
When does your current fixed-rate period end?
The right refinancing option depends on how much time is left. Select your timeframe to start comparing suitable offers.
Plan ahead
Why it pays to compare mortgage refinancing options early
More lead time gives you a clearer view of your future monthly payment, available rates and the flexibility of each offer.
Plan your future monthly payment
See how your remaining balance could translate into a new monthly payment after the fixed-rate period ends.
Put your lender’s offer into perspective
Compare your bank’s renewal offer with alternative rates, terms and repayment options.
Avoid decisions under time pressure
Review the fixed-rate period, repayment rate and special repayments before the current mortgage expires.
Your refinancing choices
Which mortgage refinancing option could suit you?
The right option depends on your remaining balance, current mortgage and preferred level of flexibility.
Renew with your current lender
Extend the mortgage with your existing bank. Convenient, but worth comparing with other offers.
Switch to a new lender
Transfer the remaining balance and compare new rates, terms and special repayment options.
Secure a forward mortgage
Arrange your next mortgage before the current fixed-rate period ends and gain more certainty.
Find suitable mortgage refinancing in three steps
Review your current mortgage, request suitable offers and choose the option that fits your plans.
Review your current mortgage
Check the remaining balance, end date, current payment and your preferred future monthly payment.
Submit your enquiry
Enter the key details and request suitable refinancing or advisory offers for your property.
Compare and plan your next loan
Review rates, terms and flexibility, then choose the option that fits your financial plans.
Prepare your comparison
Information that helps with your refinancing enquiry
You do not need every detail immediately. The most important information about your current mortgage is enough to get started.
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Remaining mortgage balance and end date of the fixed-rate period
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Current payment, repayment rate and preferred special repayments
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Property details and your preferred future monthly payment
Frequently asked questions about mortgage refinancing
Mortgage refinancing becomes relevant when your current fixed-rate period ends and part of the loan is still outstanding. The remaining balance is then financed under new terms.
The earlier you understand your options, the more time you have to plan your future monthly payment. A comparison is especially useful when the fixed-rate period ends within the next few months or years.
The new interest rate and your remaining balance are the main factors. If rates have risen and a large balance is still outstanding, your new monthly payment may increase.
Yes. You can extend the mortgage with your existing bank. This is convenient, but comparing other offers helps you understand whether the proposed rate and terms are competitive.
Yes. You can refinance the remaining balance with another provider. This may be useful when another lender offers rates, terms or special repayment options that better fit your plans.
A forward mortgage allows you to arrange the terms of your next mortgage before the current fixed-rate period ends.
Yes. The enquiry is free and non-binding. You can review the offers and then decide whether you want to take the next step.
No. The enquiry through ImmoScout24 is SCHUFA-neutral and does not affect your credit score.
Helpful details include your remaining balance, the end of the fixed-rate period, your current payment, information about the property and your preferred future monthly payment.