Welcome to Zapf FinanzManagement, your independent mortgage broker in Geldern on the Lower Rhine.
A mortgage runs for 20, 30, or more years. Which bank is ultimately the right fit is rarely determined by the advertised interest rate, but rather
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by options for extra payments, changes to the repayment schedule, the interest-free period, the loan-to-value ratio, and how well the documents are organized when submitted to the bank. That’s exactly where our work comes in.
Since 1995, we’ve been guiding prospective buyers, builders, and homeowners through their financing—from the initial financial assessment to selecting a bank and receiving the funds. We are not affiliated with any single bank: We compare over 600 banks, savings banks, insurers, and development finance institutions, including KfW and the state of North Rhine-Westphalia’s (NRW) funding programs.
Our areas of focus:
- Real estate financing for purchases, new construction, and renovations
- Refinancing, debt consolidation, and forward loans
- Financing for investments and multi-family homes
- Building savings plans to lock in interest rates
- Installment loans, auto loans, and leasing
Here’s how we work:
1. Initial consultation and financial assessment—free of charge and with no impact on your SCHUFA credit score
2. A written comparison of eligible banks, with transparent calculations
3. We handle the application, documentation, and all communication with the bank
4. We remain available even after disbursement—we’ll reach out on our own initiative at the latest when it’s time for refinancing
Consultations are conducted in person in Geldern or via video nationwide; appointments are also available in the evenings and on Saturdays. We’re on-site to serve clients from Geldern, Kevelaer, Straelen, Issum, Kerken, Wachtendonk, Goch, Kleve, Moers, Krefeld, and Viersen.
In over 30 years, we have facilitated more than 600 million euros in financing and supported over 1,000 clients. You can read about the results below.
Schedule an appointment: 0172 359 61 16 or uzapf@zapf-finanz.de