Purchase or new build
Guidance on purchase price, equity, closing costs, monthly burden and the right fixed-rate period.
Mortgages & Personal Loans
Your plans. Clearly financed.
Mortgages for your home. Personal loans for cars, renovations and larger purchases.
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Independent of banks Access to more than 500 banks & lending partners.
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Four languages Advice in German, Turkish, English and Polish.
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One point of contact From the first conversation to the payout.
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Discreet Your information stays within a confidential conversation.
Property
Mortgages. Tailored to your plans.
Purchase, new build or refinancing: a mortgage has to fit today and remain sustainable in the long run.
I structure equity, loan amount, monthly payment and fixed-rate period to match your plans and your budget.
Financing options and terms depend on your personal and financial situation and on the project. An enquiry is not a financing commitment.
Refinancing
Planning ahead before your fixed-rate period ends – including scenarios for payment, remaining balance and future financing costs.
Renovation
Financing for conversions, energy-efficiency measures and refurbishments – matched to scope, budget and timeline.
Capital needs
Options for raising capital against existing property – explained clearly and assessed for your plans.
Personal plans
Personal loans. For plans that won't wait.
A new car. A new kitchen. A larger purchase. A personal loan can make sense when amount, term and monthly payment fit together properly.
I look at loan amount, term, payment and flexibility together – clearly explained and with your overall financial situation in mind.
Credit decision and terms depend in particular on creditworthiness, income, term and purpose. An enquiry is not a financing commitment.
Cars & mobility
For new or used cars, motorbikes, motorhomes or paying off an existing vehicle loan.
Renovation & home
For renovations, kitchens, furnishings or smaller projects when no mortgage is needed.
Larger purchases
For plans you want to finance predictably – with a fixed payment and a term that fits your budget.
Consolidation & overview
Restructure or consolidate existing instalment loans when this meaningfully improves cost, term or overview.
Process
The path to your financing.
From the first assessment to the payout – in four clear steps.
Assessment
You describe your plans, timeline, equity and circumstances. This gives a first orientation for further planning.
Structure
We clarify loan amount, payment, repayment rate, fixed-rate period and documents.
Comparison
Suitable lending partners are reviewed and their terms compared transparently.
Support
I remain your personal point of contact until the payout – for you and towards the bank.
About me
Your contact: Yunus Kaynak.
I personally guide mortgages and personal loans – from the first assessment to the payout.
My aim: explain things clearly, compare properly and represent your financing well towards the bank – in German, Turkish, English or Polish.
- EducationGerman banking apprenticeship (Bankkaufmann, 2012) · M.Sc. Sales Management
- LicenceLicensed mortgage credit intermediary (§ 34i GewO) and loan intermediary (§ 34c GewO)
- RegisterDIHK intermediary register, no. D-W-119-9JTJ-46
- LanguagesDeutsch · Türkçe · English · Polski
- LocationDüsseldorf
How I work
Clear guidance, strong network.
One contact person for you – a network of more than 500 banks behind the scenes.
What you can expect
- Advice based on your specific key figures.
- Clear explanation of the key levers.
- Support with documents, questions and the process.
My standard
- A fixed point of contact from the first conversation to the payout.
- Quick responses and short lines of communication.
- Financing that is implemented properly.
Fees & costs
- As a rule, I am paid by the lender if a loan is concluded.
- If any costs arise for you, this will be explicitly agreed in advance.
- How terms and offers come about is discussed transparently.
Calculators
Calculate your payment.
Two calculators for a first, non-binding estimate – right here on the page.
Questions
Answers to common questions
Mortgages
When is the right time to get in touch?
Earlier than many think. Ideally before you commit to a property or before your fixed-rate period ends. That leaves time to set up the financing calmly and prepare all documents. You're welcome to get in touch with just a first idea.
What information is needed for a first assessment?
Key figures are enough: purchase price or property value, equity, income and your planned timeframe. Proof and full documents only follow once things get concrete. We'll clarify everything else in conversation.
Is the lowest interest rate always the best solution?
Not necessarily. The actual cost also depends on repayment rate, fixed-rate period, special repayment rights, commitment fees and the flexibility of the financing. A seemingly cheap rate can end up more expensive if the structure doesn't fit the project. That's why we look at every offer as a whole.
Personal loans
What can a personal loan be used for?
For example a car, a renovation, a larger purchase or consolidating existing instalment loans. Whether a specific purpose is possible depends on the respective lender. Together we'll assess whether a personal loan makes sense for your plans.
What information is needed for a first assessment?
Desired amount, purpose, preferred term or payment, and rough details on income and existing obligations. That's all a first assessment needs. We'll clarify afterwards which proofs are required later.
Does an enquiry affect my Schufa credit record?
A first assessment with me has no effect on your Schufa. Lenders usually handle enquiries as a conditions enquiry (Konditionsanfrage), which is neutral for your Schufa score. Only an actual loan agreement is recorded.
Contact
Let's talk
Property or personal loan: just write briefly what it's about. I'll get back to you promptly once your enquiry arrives.
Languages
Deutsch · Türkçe · English · Polski
What happens next