Die Kreditmeisterei

Exceptional Support!

At a first glance, approaching the purchase of an apartment in German as an expat was an intimidating experience; luckily we were able to come across the highly professional assistance provided by Karsten. Initially we asked for general info and consulting on the overall home-buying process, and Karsten cleared our doubts (in English):
• he outlined a reliable and market-oriented budget we should consider, based on our income, the area we were looking for and our private equity
• he detailed exactly all the side costs and fees we had to face, and their incidence on the final price of an apartment (Maklerprovision, Grunderwerbssteuer, Notarkosten, Grundbucheintrag, Dolmetsher and others)
• he shown us an overview of all the available bank offers and relative pros/cons for each option; we discovered that he had access to more advantageous conditions with respect to our private searching
• he explained more in detail the methods used by banks to distribute mortgage monthly rates between principal and interests costs, their impact in long run loans, and many other rules applied on the loans by German banks
• he portrayed a walk-through of the whole purchase process, including the different bureaucratic steps and an approximate timeline
Based on all that information, we were able to search a home with clearer understanding of our possibilities and the steps to follow. Once we were finally able to find a promising apartment, we started the real mortgage request, and this time:
• he suggested us an approach to set our offer with the sellers, since the sale had become a bidding (several offers from potential buyers)
• he investigated several loan options, based on the apartment price, that could suit our needs the best way possible: years of mortgage, monthly rates, interest offered by the banks, precise amount of personal equity invested, flexibility for adding additional capitals on the monthly rate, etc. Based on that we came up with a satisfying mortgage plan, that has been accepted by the bank two weeks after sending the necessary documents
• he personally contacted the sellers to back-up our economical situation and reassure the owners of our creditworthiness
• he helped out to arrange our meeting with a notary in a very short notice (due to last-minute needs of the sellers), suggested some changes on the standard contract that would be beneficial for us and even participated to the appointment directly
• he was always available to set up quick meetings/phone calls in case we had any new confusion during the process

The whole journey was intense, but very linear and in accordance with the information provided by Karsten. We are very satisfied with all the support he gave us and would definitely recommend him to any person interested in a German/English speaking loan broker!

Herr Sedler help us a lot with our new home purchase: not only advising us with the mortgage choice that was better for us (we could see and discuss all the options we had for the mortgage with the conditions from different banks) he also guided us throughout the purchase process. Very formal, honest and open to questions, even if they are the more basic ones. In our case everything needed to happen very fast and thanks to his disponibility and professionalism, everything went very well. We can only recommend "Die Kreditmeisterei".

A highly experienced team. Very quickly support by searching the most favourable and flexible loan conditions.
Support throughout the complete process.

Sehr gute Beratung und Service! Habe mich durchweg in guten Händen aufgehoben gefühlt. Ich kann die Kreditmeisterei nur jedem ans Herz legen, der in Finanzierungsfragen Hilfe braucht. TOP!!

Perfekte und kompetente Beratung
Herr Sedler hat uns sehr kompetent bezüglich einer Immobilienfinanzierung beraten, die Finanzierung wurde dann auch nach einigen Tagen erfolgreich abgeschlossen. Zu jeder Zeit schnelle und kompetente Antwort. Freundlich und Professionell. Rundum gut Beraten.
Wir können Herrn Sedler sehr empfehlen.

Ich bin über Empfehlung zu Herrn Sedler gekommen. Er zeichnet sich mit sehr guter Beratung und umfangreichem Wissen über Baufinanzierung aus. Ihn kann ich jedem nur warmen Herzens empfehlen!

Karsten was very helpful through the whole process of our mortgage. Even calling other parties on our behalf and swiftly responding to changing circumstances.

Die Kreditmeisterei makes possible what is not possible! Living abroad and investing in Germany with a loan is tricky. Even if the financial guarantee if given, the fact that you live and and work outside of the country immediately raises a red flag and it becomes impossible to obtain a loan - unless you have the chance to work with Karsten Sedler. He studies your case and makes the impossible possible in the shortest of time. He finds the right bank for you and somehow manages to get your loan in the exact time limit that you need it. We have come back and will come back again. Its a pleasure to work with him. I can highly recommend "The Kreditmeisterei" Thank you Karsten Sedler!

Eine Super Beratung.
Kann ich nur weiterempfehlen!

Wir mussten kurzfristig einen Kredit bekommen, da unser ursprünglicher Finanzierer sehr unzuverlässig war. Herr Sedler hat uns innerhalb einer Woche eine Kreditzusage vermittelt. Dabei war er immer erreichbar und hat alle Fragen geduldig beantwortet.

Karsten provided invaluable assistance to my husband and I during a particularly long purchase process. He is efficient and knowledgeable, and also incredibly good at communicating. He would always respond promptly to our email queries (even when we sent them outside of standard business hours), and answered all of our questions with a refreshing level of honesty. It was an absolute pleasure working with Karsten. He took a lot of stress out of the process and I can highly recommend his services.

Karsten is amazing. We went through a particularly long process for our mortgage and without Karstens patience and professionalism we surely would not have been successful. He has intimate knowledge of the industry and goes above and beyond for his clients. There are a lot of hard decisions to make during the mortgage process but picking the broker is easy - just go with Karsten.

The whole experience with Karsten was amazing. Despite the short notice, Karsten was able to overperform and manage to finish my case end to end in only 5 business days, by providing a load for my apartment with a very good condition. Note that the competition took almost a month for delivering something different than agreed.

I totally recommend Karsten 100%. Accurate, professional, friendly,gentleman and gets the job done.

Ohne Herrn Sedlers Unterstützung hätte ich das Projekt Eigentum sehr wahrscheinlich aufgegeben.
Dank seiner Kompetenz war die Finanzierung dann innerhalb von 3 Tagen genehmigt und ich konnte guten Gewissens den Kaufvertrag unterschreiben.
Die Kreditmeisterei ist für mich die erste Adresse wenn es um Immobilienfinanzierung geht.

Wir wurden auf der Suche nach dem passenden Kredit für unseren Wohnungskauf von Karsten Sedler schnell, unkompliziert und sehr gut beraten. Er wurde uns von einem Freund empfohlen, wir geben diese Empfehlung sehr gern weiter.

Me Sedler was extremely professional and extremely patient guiding me through every step of a process that was totally unfamiliar to me and making me feel very confident in my decisions. He also helped me as an English speaker find other support members such as a lawyer and legal translator, and saved me money along the way. I would recommend him to anyone (and have already).

Es wunderbarer Kontakt - engagiert, freundlich und persönlich.

Sehr gute Beratung, Herr Sedler zeigt einem alle Möglichkeiten die der Markt zu bieten hat und findet die beste Lösung für eine Baufinanzierung. Ich kann Herrn Sedler jedem empfehlen, der eine Baufinanzierung plant. Danke!

Very professional, helpful and always available in answering all questions popping out of my mind buying the flat.
I can only recommend him

Mr. Sedler was able to get us financing despite the fact that we were not living in Germany. A big thanks for his effort and commitment to help us! Mr. Sedler always kept us updated during the process and was very friendly.