Forward loan
Lock in today the interest rate for your follow-up financing in 1–5 years. Sensible when rates are rising — you pay a small interest surcharge in return for planning certainty.
Follow-up financing
Follow-up financing & debt restructuring
500+ banks compared. Forward loans up to 66 months ahead. Top terms under 4% (May 2026). Also for buy-to-let and special situations.
Key facts
Follow-up financing at a glance
Three ways out of the interest trap
Restructuring & switching banks
Instead of accepting the house-bank prolongation — compare other banks. On €200,000 remaining debt, a 0.3% rate difference can mean €10,000+ over the remaining term.
Follow-up despite a special situation
Self-employed, near retirement, earlier credit restrictions — many banks decline across the board. With the right bank partner, follow-up financing is still possible.
Timeline
When is the right time?
- 3–5 years before the fixed-rate period ends: consider a forward loan — lock in rates, small surcharge
- 2 years before the fixed-rate period ends: start the bank comparison — even if you sign nothing yet
- 6–12 months before the fixed-rate period ends: obtain binding offers, negotiate with the house bank
- After 10 years of fixed rate: special termination right §489 BGB — you can terminate, even under a longer agreement
What I check specifically
- Current remaining debt + repayment plan of the existing bank
- Market comparison across 500+ banks — including follow-up special cases
- Early-repayment penalty when switching banks — where relevant
- Check the special termination right (§489 BGB)
- Negotiation using house-bank terms as a comparison basis
FAQ
Frequently asked questions
Is switching banks worthwhile for follow-up financing?
In most cases yes. Even a 0.3–0.5% rate difference often saves €10,000+ over the remaining term. The existing bank rarely offers the best terms — it knows that many clients prolong out of convenience. My market comparison is free.
What is a forward loan?
A forward loan locks in today the interest rate for your follow-up financing in 1–66 months. You pay an interest surcharge (between 0.01 and 0.03% per month of lead time) in return for planning certainty. Sensible when rates are expected to rise.
What does switching banks cost?
Notary/land register for the assignment of the land charge: about 0.15–0.25% of the loan amount. The new bank often pays this. An early-repayment penalty does not arise on a normal schedule — only on early termination outside the §489 special termination right.
Model calculation
Restructuring
Example: restructuring pays off
Restructuring after the fixed-rate period
- Remaining debt€180,000
- Previous rate3.2%
- New rateunder 4%
- New fixed-rate period10 years
- Comparison5–8 banks
- Process3–5 working days
Terms are daily and depend on credit standing.
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View page →Request a financing analysis
Free, non-binding initial consultation — the commission is paid by the bank. I check 500+ banks plus all state development programmes for your situation.