Buying a home? We compare the partner banks, negotiate the most favourable terms, compared on the APRC and the total amount payable (MTIC), and handle the paperwork. We explain the insurance the bank requires. You choose the most favourable offer for you.
We find out what you need: amount, deposit, term and your financial situation.
We study your profile and see where you fit best among the partner banks.
We show you the offers side by side, in plain language, and clear up everything.
We handle the paperwork and stay with you until the deed is signed.
Instead of going from branch to branch, we compare the partner banks for you.
We negotiate the terms with the partner banks for you and compare the offers on the APRC and the total amount payable (MTIC).
We explain every rate, insurance and fee before you sign.
The support costs you nothing, from first contact to the deed.
As a rule, banks finance up to 90% of the property value for an owner-occupied main home, so count on around 10% as a deposit, plus deed costs and taxes.
There are three types. With a fixed rate, the instalment does not change during the agreed fixed-rate period. With a variable rate, it follows the index (usually the Euribor) plus the spread, and can go up or down. With a mixed rate, you have a fixed rate for the first few years and then it becomes variable. It depends on your profile and on sleeping soundly: we explain all three with numbers and help you choose. We don't push you towards any of them.
Nothing for you. We are a credit intermediary and the banks pay us.
Tell us what you need. The Guru studies your situation, compares the partner banks and tells you, with numbers, what makes sense for you. It's free.