Overview
- Baufi24’s Oliver Kohnen expects a sideways path or slightly higher mortgage costs through the first half of 2026.
- Current offers cluster around 3.5%–4.0%, with the best terms going to borrowers with strong credit and high equity, often at loan‑to‑value below roughly 60%.
- Lenders’ risk views vary by location, with overheated prime urban markets and weaker C/D areas assessed cautiously and well‑connected mid‑priced areas seen as steadier.
- Owners nearing the end of fixed terms are urged to make special repayments, keep documentation ready, and negotiate with their bank or consider switching after accounting for notary and land‑register fees.
- Forward loans can lock in today’s conditions up to three years ahead for a premium, and experts see a return to 2020’s sub‑1% era as unlikely.