From the first budget to after you move in —
to the cent, as the contract has it.
You enter your numbers once and see at any time where your build stands: what it costs, how it is financed, and whether the plan still holds.
The Homekompass app is already running
The blog is just the start – the real work sits in the Homekompass app: your personal mortgage-planning assistant, helping you work through your financing step by step.
Five stages, one data model
What you enter in one stage is ready in the next — from the household budget through to life after moving in.
Household finances
Income, expenses, reserves — the real foundation before the first cost item exists.
Cost planning
Cost categories, plan/forecast/actual per line item, with status tracking.
Financing structure
How the financing is composed from individual loans.
Plan vs. actual
Where actual costs deviate from the plan — visible immediately, not first at the bank meeting.
Lifecycle
After moving in: keep track of the property going forward, not just until the final invoice.
Latest posts
Current topics around German mortgage financing and retirement savings for homeowners.
Mortgage Rate Report August 2026: Sideways, With a Cheaper Top End
Top offers from around 3.3% (10-year fix), typical market 3.6-4.1% – what has changed since the July report and what the ECB pause means.
Follow-Up Financing: When to Act – and the Three Paths You Can Take
Prolongation, refinancing or a forward loan? Plus the 10-year exit right under § 489 BGB that many don't know about.
KfW New-Build Subsidy: The EH55 Loan Ends by Late 2026 at the Latest – and the Pot Is Draining
Loans up to €100,000 at around 1% interest, but less than half of the €800M budget remains. Why the Dec 31 deadline is deceptive.
Do the maths before you sign
Interactive tools to quickly get an initial read on common questions around mortgage financing and buying a property.
How Much House Can I Afford?
Enter net income, equity and interest rate – get a rough purchase-price budget including purchase costs.
To the calculator → ToolWohn-Riester Quick Check
Three questions, one rough indication: old or new subsidy system from 2027?
To the calculator → ToolReal Estate Transfer Tax Calculator
Enter purchase price and state, see the estimated transfer tax instantly.
To the calculator →Contact
Feedback, questions or interest in Homekompass? Send a short message.