VZ online mortgages are granted by HypothekenZentrum AG, a subsidiary of VZ Holding.

Yes, fixed-rate mortgages can be refinanced up to several quarters in advance. The interest rate for money market mortgages will be fixed two bank working days before payment.

Yes, provided there is less than three years between the first and last due date. If necessary, the mortgage certificates will have to be amended.

Taking out a VZ Online Mortgage is free of charge.

If all the necessary documents are available, a credit decision is usually made within a few days.

The final interest rate is determined after a successful credit check and after both parties have signed the credit agreements.

Thanks to online access to your mortgage portfolio, you always have an overview of the maturities of your mortgages.