Your questions. Clearly answered.

Navera was founded in 2025 with the goal of making mortgage financing simple and transparent. Our website went live in March 2026, and we have been improving it continuously ever since.

Navera was founded by Marcus Joachim, who brings over 25 years of experience in the finance industry. Behind him stands a team with more than 75 years of combined experience across banking, brokerage and product development, sharing a clear vision of honest, modern advice.

There are no extra costs for you. We finance ourselves through the brokerage fee paid by the bank, and only once your mortgage has been successfully closed.

We are a broker, not a bank. We compare the terms of over 600 banks from our database and show them to you transparently.

We do not work commission-free, but commission-independent: we do not favour any offer because of its commission. Our fee is paid by the bank only after a successful closing, and you can calculate a financing option at any time with no obligation.

In principle anyone who meets the usual requirements: an employment contract, a positive household budget and a net household income that supports the financing. Whether it fits in your case, you can see right away during the calculation.

Yes. We only broker currently valid terms from genuine bank partners, and you sign your loan agreement directly with the bank.

Nothing happens to your loan. You sign it with the bank, not with us. After closing, we are no longer involved in the loan relationship.

With over 600 banks in Germany, from direct banks to savings banks and cooperative banks through to large commercial banks. All the well-known institutions are included.

With us, you keep the decision-making power. We show you all available financing options transparently, and you choose yourself. If you have questions, we are personally there for you.

We make comparing especially easy: based on your details, you see all available offers at a glance, similar to a booking platform. You fill out the application directly online, and automations save you manual work.

Everyone uses the same banking interface; the difference lies in the presets. We do not favour any bank because of its commission, but show you the offers unedited, in the order that suits you.

You see all offers that match your details. Unfiltered and without any pre-sorting.

Yes. The Schufa check is carried out by the bank alone, and only once you have submitted your loan application and instructed the bank to do so. Using Navera itself has no effect on your Schufa score.

We use your data only to process your financing request and to broker suitable offers, for example with the banks we approach on your behalf. Your data is not sold, and we delete it as soon as it is no longer needed, unless legal retention periods require longer storage. You can find all the details in our privacy policy: https://navera.de/datenschutz

Internally, only the employees who need it to process your request. In addition, there are the bank partners we approach on your behalf, as well as technical service providers with whom we have concluded data processing agreements. You can find all the details in our privacy policy: https://navera.de/datenschutz

Yes. Your data and uploaded documents are stored encrypted on Google Cloud servers in Frankfurt. We keep them for 8 years.

We rely on established security standards. Instead of classic passwords, we use a passwordless login procedure that avoids typical risks from weak or stolen passwords. Your data is processed in encrypted form.

Yes. Simply write to us at [email protected] and we will take care of it. Data that we are legally required to retain we block instead, so that it is no longer used.

On Google Cloud servers in Frankfurt. To operate the website we additionally use Cloudflare. More on this in our privacy policy. You can find all the details in our privacy policy: https://navera.de/datenschutz

You enter your personal details and the information about the property or your existing loan, and you immediately get a list of the available financing offers.

Instantly: as soon as you have entered all the details, you see possible offers right away, usually within five to ten minutes.

Yes. Our team of experienced financing experts is there for you and answers all your questions about your mortgage or your follow-up financing.

On weekdays from morning to evening. If an appointment outside these hours suits you better, we will find a solution for that too.

Yes. You can try Navera and calculate a financing option without committing to anything.

Any time. For all your questions, our financing experts are personally available to you.

No. You always sign the agreement directly with the bank. We only broker and are paid for it by the bank.

A mortgage is a long-term loan that you use to finance the purchase, construction or modernisation of your home. You agree an interest rate with a bank for a fixed term, the so-called fixed-interest period, and repay the loan through a monthly instalment made up of interest and repayment. As security, a land charge on your property is entered in the land register.

A broker compares the terms of many banks for you, instead of showing you only the offers of a single provider. This makes it easier to find financing that suits your situation, and saves you many individual appointments. At Navera there are no extra costs for this, because the bank covers the brokerage fee.

Your biggest lever is your equity: the more you contribute, the lower the risk for the bank and the better your rate. Creditworthiness, the choice of the fixed-interest period, the energy standard of the property and comparing several banks also have a noticeable effect. Even small rate differences often add up to several thousand euros over the term.

Repayment is the part of your monthly instalment with which you actually pay down the loan; the other part is the interest. The higher your repayment, the faster your remaining debt falls and the less interest you pay overall. As a guide, two percent initial repayment is considered a sensible minimum.

A special repayment is an additional payment alongside your normal instalment, with which you pay off your loan faster. Every special repayment lowers your remaining debt and saves interest over the remaining term. When comparing, look out for this flexibility; many contracts allow a certain special repayment per year.

The annuity loan is the most common form of mortgage financing in Germany: you pay the same instalment of interest and repayment every month. Over time the interest portion decreases and the repayment portion increases, but the instalment stays the same. That makes your costs easy to plan.

The real estate transfer tax applies when you buy a property and, depending on the federal state, ranges between 3.5 and 6.5 percent of the purchase price. It is one of the ancillary purchase costs and usually cannot be co-financed, so you should plan for it out of your own equity.

From the request to the payout, it usually takes a few weeks, depending on how complete your documents are and how quickly the bank and notary work. The interest-free provision period is the time in which the bank keeps your approved loan available without interest already accruing. It is usually between three and twelve months; some banks offer up to 24 months.

The land register is an official record that documents who owns a property and which rights and encumbrances apply to it. When you buy, you are entered there as the owner. Your bank’s land charge is also noted, as security for your loan.

A subordinated loan is a loan that ranks behind another loan in the land register. If the property is realised in an emergency, the senior bank is served first and only afterwards the subordinated lender. Because the risk is higher, subordinated loans are usually more expensive, but they can close a financing gap.

During the creditworthiness check, the bank looks at how reliably you can repay the loan, based on income, ongoing expenses, equity and Schufa data. The more stable this picture, the better your chances of approval and good terms. At Navera, the first request is Schufa-neutral.

The loan-to-value describes how heavily your property is used as security for the loan. To determine this, the bank calculates the mortgage lending value, i.e. the amount it considers the property to be worth over the long term and safely. The less you finance in relation to that, the better your rate.

The loan-to-value ratio shows what share of the property value is financed through the loan, i.e. loan amount divided by mortgage lending value times 100. Example: a 240,000 euro loan against a 300,000 euro lending value gives 80 percent. The lower the value, the cheaper your rate usually is.

In most cases you combine your equity with a mortgage, i.e. a long-term loan from a bank. You enter your key data, compare the terms of different banks and choose the offer that suits you. At Navera, an experienced person additionally reviews your situation, and the first request is Schufa-neutral.

There is no single perfect time; what matters is your personal situation: a stable income, sufficient equity and a property that fits your life in the long term. Interest rates and prices play a role but cannot be reliably predicted. It is more sensible to know your own figures and then decide.

In addition to the purchase price, there are ancillary purchase costs, which usually add another 8 to 12 percent. These include the real estate transfer tax, notary and land register costs, and possibly the estate agent’s commission. As a rule, you cannot co-finance these ancillary costs, so you should plan for them out of your own equity.

As a rule of thumb, you should pay at least the ancillary purchase costs from your own funds, and ideally an additional 10 to 20 percent of the purchase price. The more equity you contribute, the lower the risk for the bank and the better your rate. But a buffer for the unexpected is important; you do not have to use up every reserve.

Yes, financing without equity is generally possible, but tied to stricter requirements. The bank then expects a stable income and very good creditworthiness, and the rate is usually higher. It is usually sensible to at least cover the ancillary purchase costs yourself.

That depends above all on your net household income, your equity and the monthly instalment you can bear. As a guide, the instalment should remain comfortably affordable over the long term and ideally not exceed around 35 percent of your net income. With the Navera calculator you can see in a few minutes, and Schufa-neutral, what range is realistic.

With a bullet loan, you pay only the interest during the term and repay the entire sum at the end in a single amount. The interest costs are higher overall, because the remaining debt does not decrease. This variant is more suitable for special cases such as investments and less so for classic owner-occupation.

Yes, that is possible, even if a fixed-term contract makes the assessment a little more involved. Banks then look more closely at your sector, your previous employment and the prospect of an extension. More equity or a second person on the contract can improve your chances.

Follow-up financing replaces your existing mortgage when the fixed-interest period ends and there is still remaining debt. You can extend with your existing bank or switch to another bank with better terms. Comparing is worthwhile, because even small rate differences add up a lot over the remaining term.

With a forward loan, you lock in today’s rate for your later follow-up financing, up to a maximum of five years in advance. This gives you planning certainty if you expect rising rates. In return, the bank usually charges a small rate premium, and you commit to the deal even if rates fall in the meantime.

The early repayment penalty is compensation that the bank may charge if you repay your loan before the end of the fixed-interest period. It compensates the bank for the lost interest and depends on the remaining debt, remaining term and interest level, so a flat amount cannot be stated.

Refinancing is worthwhile above all when current rates are significantly below your ongoing rate or your fixed-interest period expires in the next few years. A switch to more flexible terms, such as higher special repayments, can also be a reason. Whether the effort pays off depends on the remaining debt, remaining term and possible costs.