Commercial follow-up finance

Before the fixed-rate period ends, your lever is at its greatest.

A fixed-rate period coming to an end or a loan falling due is no sure thing — and no reason to simply extend with your existing bank. This is exactly where your strongest negotiating lever lies: I review prolongation, refinancing and top-up bank-independently and extract the best follow-up solution for your commercial property. Under §34c GewO.

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Three routes at the end of the fixed-rate period

Prolongation

You extend with the existing bank. Convenient — but rarely the best terms, because there is no competition.

Refinancing

You switch to a better provider. The effort often pays off clearly, especially with larger remaining debts.

Top-up

You use the follow-up financing to raise additional capital — for example for modernisation or the next acquisition.

Why competition is your best ally

Anyone who knows only their own bank’s extension offer is negotiating blind. The bank knows: a switch is effort, and many shy away from it. As soon as a solid comparison offer is on the table, the tone changes — suddenly more is possible. That competition is exactly what I organise for you, across banks and financiers.

Timing decides. Start early — ideally 6 to 12 months before the fixed-rate period ends. Anyone who checks in good time can use interest-rate windows, negotiate calmly, and avoid the pressure of a last-minute extension. Brokerage of commercial follow-up loans under §34c GewO.

What I check before the follow-up financing

Before any follow-up solution comes the stocktake: current remaining debt and terms, the property’s value and letting status, your onward strategy. Only from that does it emerge whether prolongation, refinancing or top-up is the right route — and which lender fits. This check is free for you.

Frequently asked questions

When should I start the follow-up financing?

Early. 6 to 12 months before the fixed-rate period ends, you have the greatest scope: you can obtain comparison offers, negotiate calmly, and don’t have to extend under time pressure.

Is switching to another bank really worthwhile?

Often yes — especially with larger remaining debts, even a small interest difference can be considerable over the term. I organise the effort of switching; you decide based on solid figures.

Can I raise additional capital with the follow-up financing?

With sufficient property value, a top-up is possible — for example for modernisation or the next acquisition. Whether and how much depends on the value, rental yield and your overall situation.

What does the advice cost?

Checking your follow-up solution is free for you; I am remunerated by the financing house. For very individual mandates we discuss any fee agreement transparently in advance.

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Let’s check your follow-up solution

Message me on WhatsApp or book a 30-minute call. The first check of your plan is free.

Before the fixed-rate period ends, your lever is at its greatest.

Three routes at the end of the fixed-rate period

Prolongation

Refinancing

Top-up

Why competition is your best ally

What I check before the follow-up financing

Frequently asked questions

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Let’s check your follow-up solution