How do we earn our money?
Transparency is not a footnote for us, but a foundation. So here is how our work is financed: the total commission for a successful brokerage is 3% of the approved gross loan amount. Where the bank co-finances part of it through the incidental loan costs, this part amounts to 1.5% to 3%; you bear this part as the borrower. It is credited in full; as a success fee you pay directly only the difference up to 3% — but at most 1.5% of the loan amount. The co-financed part and the success fee together amount to at most 3%.
The co-financed commission
When your financing is concluded and the bank provides for co-financing, part of the commission — 1.5% to 3% of the loan amount — is co-financed through the incidental loan costs: the bank retains it from the loan amount on disbursement and pays it out to us. Depending on the bank this is a credit intermediary commission paid by the bank (= a pass-through item) or a share of the bank processing fee. It is economically part of the terms of your loan — which is why we disclose it: you will see the exact amount in black and white in your European Standardised Information Sheet (ESIS) before signing. It is credited in full against the total commission of 3%. If the commission is financed together with the loan, you also pay interest on it pro rata over the term. Some banks pay the commission wholly or partly out of their own margin; this part is not charged to you as a separate item of the incidental loan costs, is stated in the ESIS and is likewise credited in full.
What you pay as a success fee
If the co-financed commission does not reach the 3%, you pay the difference up to 3% as a success fee — but at most 1.5% of the approved gross loan amount. If the entire commission of 3% is co-financed through the loan, no direct payment is due. The success fee only becomes due after the loan agreement is signed, within 14 days of receiving the commission note. It is agreed with you in writing in advance — never retroactively, never without your consent.
What this means for you
The calculator, financing check and initial assessment are free — no costs arise before your first conversation. Reviewing your case is the responsibility of your personal contact — the way we are paid does not change that. If no financing is concluded, you incur no costs.
Frequently asked questions
What does KreditDirekt cost me?
The calculator, financing check and initial assessment are free. Upon a successful brokerage the total commission is 3% of the loan amount; the co-financed part is credited, you pay at most 1.5% directly — and nothing if the entire commission is co-financed. If no financing is concluded, you incur no costs.
When does the success fee apply?
Only after the loan agreement has been signed, within 14 days of receiving the commission note. The amount is agreed in writing in advance: the difference between the co-financed commission and 3%, at most 1.5% of the loan amount.
Do additional costs arise later?
No. What was agreed in your first conversation stands — no new costs are introduced afterwards.