Home financing that fits you.
- Schufa-neutral
- Non-binding
- Independent
- 600+ bank partners
Find the financing with Navera that fits you and your home - clear, transparent, and backed by experts.
One of the biggest decisions of your life.
For most people, home financing is not routine: many forms, contradictory offers, technical terms that sound important but explain nothing. We've rebuilt the process for more transparency and independent decisions.
We support you.
Financing certificate
Ready for the viewing
We check your situation and issue a financing certificate for you, 100% Schufa-neutral. This sets you apart from other interested parties and increases your chances with the seller.
Property financing
Openly + transparently calculated
Find the right financing, with a rate and structure that fits your everyday life, now and in the future. We compare over 600 banks and show you not only the interest rate but also the remaining debt, flexibility, and total costs.
Refinancing
When the fixed interest period ends
You want to know what options you have and when the right time is. We analyse your current financing and compare it with current offers. You get a clear overview of all important changes.
Your path to owning your own property.
Fill in the fields and secure your free financing certificate or compare offers for your property purchase - in seconds.
Calculate home financing.
600 Banks.
Attractive Conditions.
We compare interest rates from over 600 banks: This way you can find the best and most tailored financing.
Digital speed, human control.
Algorithms make comparisons faster, AI simplifies manual processes. But a 20-year decision is not made with a single click. Our experienced financing experts support you free of charge. For the second look that provides security.
Get started now
Here for you when you're stuck, even in the evenings & on weekends.
The most important questions, briefly answered.
There are no additional costs for you through Navera. Our brokerage fee is covered by the bank that pays out your loan. If no loan is concluded, no one pays anything.
Our experts are available to assist you from the first offer comparison, via video, chat, or phone. You decide how much interaction you need.
Yes. Our condition inquiry is Schufa-neutral and has no effect on your Schufa score. Only when you decide on a specific offer does the bank check your Schufa entry, we discuss this with you beforehand.
As soon as you have entered all the necessary information, we show you a list of offers from the banks that can provide you with financing. This happens within seconds.
Navera was founded by Marcus Joachim in 2025.
We are an independent financing platform. We use advanced technology and artificial intelligence to simplify the process and conclusion of home financing, so you can finance your new home better informed and under the best conditions. We pay our financial advisors on a salary basis instead of commissions.