Financing a roof renovation: which loan fits roof and insulation?
A roof renovation is one of the bigger single measures on a house. Work out the rate and check whether an instalment loan is enough or a mortgage-backed loan is better.
How do I finance a roof renovation?
A roof renovation can be financed by an instalment loan without a land registry entry, a top-up of an existing mortgage or a mortgage-backed loan. With insulation, funding may apply. Above about €50,000 the mortgage-backed route is usually cheaper.
Non-binding guide using an annuity rate and a fixed interest rate. The actual offer depends on creditworthiness, amount and term; the effective rate in the offer is what counts.
The comparison calculator is operated by our cooperation partner PROCHECK24 and opens in a new tab; your entries there go to PROCHECK24, not to Perini Finance & Property. If a placement succeeds we receive a commission — this does not change your terms.
What does a roof renovation cost?
Costs depend on roof area, condition, insulation and region and vary widely.
Only an offer gives a reliable figure. For rough ranges see the renovation costs calculator.
Insulation can be funded
Energy-efficiency measures such as roof insulation may qualify for funding.
Check conditions before placing orders. See KfW programmes.
Instalment loan or mortgage
The instalment loan is fast, the mortgage-backed loan usually has the lower rate.
We calculate both routes for you.
Frequently asked questions
How large can the amount be?
Instalment loans usually up to around €50,000, more with a mortgage.
Is funding possible?
For energy-efficiency insulation it may be; conditions depend on the programme.
Can I pay the contractor in instalments?
That is up to the contractor; a loan lets you pay in cash and negotiate.
How fast is payout?
Instalment loans usually pay out faster than financing with a land registry entry.
Roof renovation loan: which loan fits a roof renovation?
Up to about €50,000 an instalment loan without a land registry entry is usually enough. Above that a mortgage-backed loan or a top-up of the existing financing is often cheaper. With insulation, funding may apply.
Any questions on this topic?
A first consultation is free and without obligation — the commission is, as a rule, paid by the bank. We tell you what this means for your own financing.
Related pages
Editorially responsible: Olga Nikushkina — owner, §34i GewO (German mortgage brokerage), adviser register D-W-132-ZUCB-95. Specialised in German property financing with an international dimension: non-residents, foreign-currency income, cross-border workers, expats. Siegfried Perini is entered in the German intermediary register under this licence as a person directly involved in brokerage and advice (§ 11a GewO), active in real estate since 1992. Not legal or tax advice.