Your Property Roadmap

4 phases. 12 steps. One goal.

Phase	Topic	Scope
01	Clarifying your situation	Steps 1-2
02	Property search and due diligence	Steps 3-5
03	Mortgage and contract	Steps 6-10
04	Closing and support after purchase	Steps 11-12+

Phase 01. Clarifying your situation

Before the first viewing, budget, strategy, and scenarios must be clear. Without this phase, the most expensive mistakes usually happen.

Step	What we do	What you do
1. Strategic planning	We map budget, bank scenarios, subsidies (KfW/BEG), liquidity reserve, and realistic purchase limit.	You define goals and share income, capital, and existing obligations.
2. Strategy summary	We provide a written summary: guardrails, next steps, and scenario options.	You decide on moving forward and align the working pace with us.

Typical questions we answer

What is our realistic budget?
How much equity should we invest, and how much should stay in reserve?
What counts as equity for banks: cash only or also ETFs/securities?
Do we need to disclose all assets to the bank?
Does 100% financing make sense in our specific case?
Which repayment setup fits our income and goals?
Fixed or variable interest: what is safer for us?
What happens to financing if income drops due to illness or job loss?

Phase 02. Property search and due diligence

This is where things become concrete. We help separate strong options from risky ones before emotions take over.

Step	What we do	What you do
3. Search for suitable properties	We analyze the market, pre-filter options against your criteria, and prioritize candidates.	You review shortlists and select properties for deeper checks.
4. Viewing	We prepare a practical checklist with questions on structure, documents, and location.	You attend viewings and document your impressions.
5. Price and offer	We evaluate price, risks, negotiation potential, and the offer strategy.	You make the final call: continue, submit an offer, or walk away.

Typical questions we answer

How do we know the asking price is market-aligned?
What should we check in the exposé to reject risky listings early?
Which documents must be requested before any commitment?
When is an independent technical inspection worth it?
How do we identify hidden defects and future capex risks?
What do Baulast, Wegerecht, or Grunddienstbarkeit mean in practice?
How can we justify a realistic counter-offer?
When should we walk away, even if we like the property?

Phase 03. Mortgage and contract

This is the most administration-heavy phase. No contract goes to the notary without review.

Step	What we do	What you do
6. Document package and quality check	We build a bank-specific document package and check completeness and submission quality.	You provide documents based on our targeted checklist.
7. Choosing the right mortgage	We compare lenders, rates, fees, bonuses, and flexibility in contract terms.	You choose 2-3 top options for submission.
8. Bank underwriting process	We manage communication with the bank and support all clarifications and re-submissions.	You provide additional documents if requested.
9. Draft contract audit	We request the notary draft and run a legal review with clear risk marking.	You approve the final points and wording.
10. Notary appointment coordination	We align timelines between you, seller, bank, and notary office.	You confirm availability and readiness for signing.

Typical questions we answer

Should we fix the rate for 10, 15, or 20 years?
What matters more for comparison: nominal rate or Effektivzins?
How much Sondertilgung should be included?
Can repayment speed be adjusted during the loan term?
Which clauses in the notary contract are red flags?
Can we still amend the draft contract before signing?
When does Auflassungsvormerkung appear and why does it matter?
Where do hidden fees and non-standard conditions usually appear?

Phase 04. Closing and support after purchase

The notary appointment is a major milestone, but not the end of our support.

Step	What we do	What you do
11. Notary meeting	On request, we accompany you in person and provide interpretation support.	You sign the contract and clarify all points before final confirmation.
12. Payment and key handover	We track payment flow and coordinate with bank and notary.	You prepare move-in and handover acceptance.
After closing	We support property insurance setup, refinancing timing, operations, and rental topics.	You move in with a clear support contact for future decisions.

Typical questions we answer

How does the notary meeting work and what should we bring?
Do we need an interpreter, and who is responsible for accuracy?
Who protects the buyer’s interests if the notary is neutral?
At which exact point does the bank transfer funds to the seller?
How is key handover organized and what must be checked?
Which insurance policies are essential right after purchase?
When and how is ownership registered in the land register?
What should we do if hidden defects appear after closing?

Clear scope of our service

What we cover deeply

Residential property and private investment cases
Apartments, detached houses, townhouses, Reihenhaus
New builds, existing stock, Erstbezug, developer projects
Energy-efficiency renovation topics in private context

What we do not cover

Commercial and industrial real estate
Developer project financing
Portfolio financing for investment structures
Pure brokerage without personal support

What our clients say

“Alexander and his team took us from the first budget model to the notary. For a Russian-speaking family in Berlin, this was a huge relief.”
M. & L., Berlin

“We were afraid of making a mortgage mistake. After the first consultation, it was clear: they are on our side, not the bank’s side.”
A., Potsdam

“The legal contract audit saved us from a problematic clause. Every euro spent on support was worth it.”
S. & D., Brandenburg

Free first consultation

30 minutes. Clear and without obligations.

Alexander Trott

Managing Director, XPoint24 GmbH and TupaService GmbH

Accredited mortgage intermediary: D-W-138-EI4B-14 (XPoint24 GmbH), D-W-138-7NVI-94 (TupaService GmbH)