Not 50 offers. One application that fits.
We prepare your property finance carefully and submit it to the bank that suits your case. Personally guided, from the first conversation to the payout and beyond.
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4.97 out of 5 from 158 reviews on ProvenExpert, as of 10 Oct 2026
- First callYour plans and what you can afford
- DocumentsIncome, equity, ID
- Property checkLocation, condition, energy, price
- StructureInstalment, term, subsidies, buffer
- Bank requestOne complete application to the bank that fits
- PayoutApproval, notary, payout and beyond
Many offers mean many changes
The best financing is not the one with the lowest rate on a screen, but the one that truly fits you, the property and the bank.
Banks now check more closely whether the price matches the property. Condition, energy and renovation weigh more than they used to. So we first clarify whether your plan is feasible, and then approach the one bank that suits your case.
- Countless offers
- Without context, no offer is comparable with another. Which bank really fits?
- Time pressure
- The purchase contract won't wait. Financing has to be in place before the notary appointment.
- Creditworthiness unclear
- SCHUFA, equity, documents: what counts for the bank, and what doesn't?
- Does the investment pay off?
- For a rented flat, after-tax cash flow matters, not the interest rate alone.
Six stops, no changes
From the first question to the payout and beyond you talk to the same people, who know your case.
First call: clarify the budget
By video, phone or at our office. What can you really afford each month? Honest numbers, not wishful ones.
Owner-occupiers: we clarify equity, purchase costs and your target instalment.
Gather documents
Income, equity, existing loans and the property, all traceable. You can start the digital self-disclosure yourself right away, or get the link from us after the first call.
Owner-occupiers: payslips, bank statements, proof of equity, property exposé.
Check the property
Location, condition, energy, price and renovation needs, reviewed before a bank does it.
Owner-occupiers: does the price match the flat, and what renovation lies ahead?
Structure the financing
Equity, instalment, term, subsidies and reserves brought together sensibly: a comfortably affordable fixed instalment, with the option to repay more when your situation allows.
Owner-occupiers: an instalment that still works with children, a job change or parental leave.
One application to the right bank
Not every bank suits every case. We choose the one that understands your plan and submit a complete, plausible application, as a rule to that one bank rather than to several in parallel. That speeds up the decision.
Approval, notary, payout and beyond
We review the approval with you, accompany you to the notary and stay at your side after the payout. Throughout your financing we remain your contact when something changes or something new comes up. We want to stay in touch for the long term, and if we have convinced you, we are glad to be recommended.
What to watch out for
The earlier we are involved, the better. Early advice protects against wrong assumptions, time pressure and needless rejections.
- Clarify financing before you commit to a property
- Don't rely on the asking price or the agent's view alone
- Calculate the equity you need, including purchase costs and a buffer, early
- Take renovation, energy rating and extra costs seriously
- Submit documents quickly, completely and cleanly
- Talk openly about income, plans and obligations
For owner-occupiers
You want to live in it yourself. Then what matters is an instalment that fits your life, today and in ten years.
- What can I afford?A realistic price range based on income, equity and purchase costs.
- Purchase costs in BerlinProperty transfer tax, notary and land registry planned in from the start.
- RefinancingUp to five years before your fixed-rate period ends, we can review alternatives and secure terms early if needed. We are glad to keep an eye on it, and you can contact us at any time.
For investors
You want to rent it out. Then what matters is whether the property pays for itself after tax and whether the bank accepts your repayment plan.
- Cash flow and loan-to-valueA structure that protects your liquidity and leaves room for the next property.
- Depreciation (AfA) and remaining useful lifeTax effects and bank repayment requirements considered from the start.
- Several propertiesA follow-on strategy across several financings.
Run the numbers yourself, with current rates
Find your price range and current interest rates with the calculator of our platform Europace. No sign-up. The calculator is in German.
The calculator is provided by Europace AG. Only when you load it is a connection made to Europace, and your entries are processed there. More in our privacy notice (German).
Results are non-binding guidance, not a financing commitment.Berlin is our home
We know the market from daily work, from Olivaer Platz to Brandenburg.
- Transfer tax and notaryBerlin purchase costs calculated transparently before you sign.
- By video, nationwide tooMost of our meetings take place by video. So we can also support you if your property is outside Berlin.
- Existing, period and new buildsBanks now assess condition, energy and renovation more closely. So do we.
- Stop Schlüterstraße 41Our advice office near Ku'damm and Olivaer Platz. By appointment.
Named advisers, not a hotline
In property finance since 2005, as ifb since 2020. We advise owner-occupiers and investors in Berlin and across Germany, in German and English, including clients who are new to Berlin.
Alexander Upenek
In the industry since 2005. Your contact from the first question on, and after the payout too.
Suganthan Panchalingam
Your contact from the first question on, and after the payout too.
Open to new tools, with clear rules
We want to work innovatively and also use the possibilities of artificial intelligence. Always in line with data protection and applicable law: your creditworthiness and your documents are assessed by a person, not by AI, and everything you receive from us has been checked by a person.
At a glance
ifb Vermittlungsgesellschaft GmbH (ifb Immobilienfinanzierung Berlin) arranges property finance for owner-occupiers and investors, based in Berlin and advising across Germany.
- Company
- ifb Vermittlungsgesellschaft GmbH, Managing Director Alexander Upenek
- Registered office
- Barstraße 23, 10713 Berlin
- Office for meetings
- Schlüterstraße 41, 10707 Berlin
- Licence
- Mortgage credit intermediary under § 34i (1) GewO, reg. no. D-W-107-L4Q6-66 (IHK Berlin)
- Commercial register
- Amtsgericht Charlottenburg, HRB 226709 B
- Services
- Home finance, refinancing, renovation, finance for investment properties
- Advice
- By video, phone or at our office, in German and English, in Berlin and across Germany
- Experience
- In property finance since 2005, as ifb since 2020
Trust you can read up on
From 158 reviews on ProvenExpert: 132 submitted directly (4.96) and 26 via Google (5.0). As of 10 Oct 2026.
Real estate credit intermediary licensed under § 34i (1) GewO (German Trade Regulation Act), register number D-W-107-L4Q6-66 (IHK Berlin).
The service provided was extremely helpful and considerably eased our project.
Anonymous, ProvenExpert, 21 Jul 2026Unsere Erfahrung mit Herrn Upenek war großartig. Er war äußerst freundlich, kompetent, engagiert und jederzeit unterstützend.
Anonymous, ProvenExpert, 8 Aug 2026, original in GermanMein komplexes Anliegen wurde von Anfang bis Ende vollumfänglich und hochprofessionell umgesetzt.
Dietmar P., ProvenExpert, 4 Aug 2026, original in German
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Last stop of this page, first stop of your financing: by video, phone or at our Schlüterstraße office. Afterwards you know whether and how we can finance your plan.
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