How the mortgage top-up works without a bank

If the bank refuses a mortgage increase, this is by no means the end of the possibilities. LEND offers fair alternatives for increasing a mortgage – without a bank and also in special cases.

A property not only represents financial security, but also great financing potential. If your home is already encumbered with a mortgage and modernization or other major purchases are imminent, a mortgage increase could be the solution.

‘Could’ because banks find many reasons not to grant them. The reasons why the bank rejects a mortgage top-up include the following criteria:

- The borrower is retired or over 65 years old

- The loan-to-value ratio of the property is over 60%

- The requested loan amount is low and not profitable for the bank

- The borrower's circumstances have changed, e.g. due to divorce or a job change

- The property has not increased in value or has even lost value since the purchase

- The mortgage increase is not intended for value-enhancing measures

The bank refuses to increase the mortgage – what can I do?

Even in these special cases, LEND offers customized mortgages that are adapted to the respective situation. Regardless of whether this involves further investments such as renovations or more financial leeway due to an increase in liquidity – our fair mortgages help you to utilize the value of your property.

Benefit from fair mortgages with LEND

While the cost of mortgages at banks has risen considerably since last year, loans at LEND still start at a favourable 4.5 %. We offer fair solutions, even if the bank lets you down. We have the right mortgage for private customers and companies at the right time.

Transitional financing / bridging finance (bridge loan)
Financing the new property before the old one is sold.

Equity increase
Financing your dream home, even with less than 2 0% equity.

Retirement mortgage / reverse mortgage
People over 65 who already own a property and want to increase their liquidity with a mortgage or mortgage top-up. Also over >60 % loan-to-value.

On our mortgage page, you will find all the alternatives from LEND to an increase at the bank and can have your financing potential determined directly in just a few steps. All we need is the following information:

• the current value of your property

• the amount of your existing mortgage

• the amount of equity you have contributed to your property

• your current annual net income

Simply calculate your financing potential and contact our mortgage experts for more information!