finbird Reviews 

Highly professional yet friendly and supportive. Provided expert advice whenever needed, sometimes beyond the responsibility. Highly recommended.

Daniela was very hands on,
guided us Thorough all the red tape,(in English)
and found a uniqe solution for our circumstances.

add add that to her patience, availability ,
and you have a winning combination .

Thank you for everything Daniela!

I had a great experience with Finbird. We didn’t have much time, but everything was handled quickly and professionally. Daniela took the lead and made sure the whole process went smoothly. Finbird managed all the communication with the bank and helped collect and prepare all the needed documents. They always replied fast and explained everything clearly. Thanks to their support, we got the mortgage and another loan approved much faster than expected. Very reliable and competent service — I truly recommend Finbird!

We managed to buy a property in Munich with the help and guidance of Finbird. We are two expats in Germany so the whole process was not very known to us. Finbird was always reachable, reliable, very professional, always friendly and truly guiding us in every step of the proccess. They are great in explaining all the possibilities, pros and cons of each and respect your decision as a client. We are sure they helped us get the best deal possible and we keep recommending them to all our friends.

Als Laie stellen einem die deutsche Bürokratie, Gesetzgebung und Banksystem reichliche Hürden dar, so dass man sich an einem Punkt fragt, ob das überhaupt navigierbar oder gar möglich sei, einer Immobilie zu akquirieren. Gerade an diesem Punkt bin ich angekommen, als ich über einen Newsletter auf finbird's kostenloses Webinar gestoßen bin.

Ich habe gemerkt, wie viele Informationen Fr. Kögel in diesem Webinar verteilt hatte - vor allem habe ich es bewundert, wie strukturiert sie den Prozess auf ihren Folien dargestellt hatte.

Nachdem ich den ersten Schritt mit einer Selbstauskunft gemacht habe, hat Fr. Kögel den Wert mehrerer Immobilien beurteilt, so dass ich besser schätzen konnte, welcher Kaufpreis angebracht bzw. finanzierbar wäre. Sie hat mich durch die ersten Verhandlungen bis zum Vertragsabschluss begleitet, manchmal auch an einem Freitagabend kurz vor Betriebsende, so dass ich die bestmöglichen Konditionen sichern konnte. Bei Fragen war sie stets telefonisch erreichbar, auch wenn es manchmal zu Verzögerungen kam.

Als Ausländer wirkt es oft, als wäre ein Immobilienkauf hierzulande irgendwas für große Investoren oder Millionenerben; Finbird hat mir gezeigt, dass auch Otto Normalverbraucher hier gute Chancen hat. Ich kann die Firma wärmstens empfehlen!

I came across finbird through a colleague’s recommendation after spending a significant amount of time researching on my own. I wanted to validate my understanding and ensure I was making informed decisions, which led me to connect with Daniela Kögel from finbird. From the very first conversation, she took the time to understand my goals and patiently answered all the questions I had accumulated. Everything was explained clearly and transparently, making the complex world of real estate finance feel much more approachable.

As the process unfolded, there were numerous moments where I had questions about the next steps or potential roadblocks. Daniela was always there, providing guidance and ensuring I felt confident in every decision. Their expertise and ability to navigate challenges made a real difference — I always knew I had a knowledgeable and reliable partner by my side.
Beyond their financial and strategic insights, what truly stood out was the personal touch. Daniela was incredibly responsive, always available for a quick message or call, and genuinely cared about making the experience as smooth as possible. Her empathy and commitment turned what could have been a stressful journey into a positive and empowering one.

I highly recommend finbird and Daniela Kögel to anyone looking for expert financial advice in real estate. The level of professionalism, clarity, and support I received exceeded my expectations and she was absolutely instrumental in making a personal dream come true.

Working with Finbird and Daniela was honestly one of the true highlights of any customer service experience I've ever, after 10 years of being in Germany. Originally we reached out to a different well-known English-friendly mortgage advisory, but after several confusing interactions felt that advisor was giving us options that didn't make sense, while also being strangely pushy.

On the contrary with Finbird, from the very beginning, Daniela laid out for us clear, helpful information regarding available options, especially re my not-straightforward situation at the time as a blue card holder (not yet permanent resident) and my partner as an EU but not German citizen. She walked us through a detailed, realtime overview of what different banks were offering, so we knew going further into the process what would work for us.

As we considered different properties, she gave us honest and helpful advice every single time, what to consider and what the banks thought about the market value. She was always super responsive and generous with her time, going truly above and beyond to work with our work schedule and find out valuable info for us so we could make a good decision. She even helped us with negotiations with the real estate agent and handling parts of that back and forth to save us time, and gave super clear step-by-step instructions along the way for every piece of admin needed with the bank, so it was never confusing or overwhelming.

In the end this led to us finding and buying an apartment that we truly believe was exceptional value for money, and getting everything finalized in what was probably record time. Even the real estate agent from Engel & Völkers told us he never seen such an exceptional mortgage advisor in his career and asked us how we found her.

I really can't recommend Finbird enough and can confidently say this is THE mortgage advisor you want if you're an expat looking to buy in Germany! If only all customer service experiences could be like this one :) Thank you again, Daniela!!!!!

Finbird truly exceeded all our expectations in helping us secure financing for our home in Germany. While every other company we approached told us they couldn’t help, Finbird stepped in and made the impossible happen. From the very first consultation to the final approval, the entire process was handled with professionalism, transparency, and an incredible level of personal dedication.

A special thank you to Daniela Koegel, who went above and beyond at every step. She took the time to understand our situation, explained everything clearly, and tirelessly worked to ensure we got the best possible mortgage terms. Her support, patience, and expertise made what could have been an overwhelming process feel smooth and stress-free.

Buying a home is one of the biggest financial decisions we’ve ever made, and thanks to Finbird, we felt confident and well-informed throughout. They not only secured great financing for us but also provided peace of mind knowing we had a trusted partner on our side.

If you're looking for a mortgage in Germany, I can’t recommend Finbird enough. Their dedication, knowledge, and outstanding customer service make them a top choice for anyone navigating the complexities of financing a home.

We were genuinely impressed from start to finish. When choosing financing, it was important for us to find someone who understands our individual needs, rather than offering a standard solution. That's exactly what we received here: personal advice by Daniela and a true understanding of our situation. Her communication was clear and transparent throughout the entire process.
Daniela also supported us in complex situations.
There were some special challenges, and at first, I was unsure if everything would work out. However, this is exactly when Finbird's value became evident. No matter how complicated things got, Daniela always quickly found effective solutions. Having your consistent support greatly reduced our stress, knowing you were always there to guide us.

Above all, the personal approach really stood out for my wife and me. We never felt like just another customer number. Instead, we experienced genuine empathy, quick responses to all questions, and friendly, easy-going communication. This human aspect gave us the confidence that we had chosen the right partner.

I was referred to Daniela from Finbird by an acquaintance and was absolutely impressed with the collaboration. Even with the challenging financing of a very old building, she managed to find the right solution.
She guided me through the financing process and was always available for questions and support.
The personal exchange, expert advice, and continuous support gave me a sense of security throughout the financing process.

I am extremely satisfied with the support and guidance I received from Daniela in securing financing for my apartment purchase. The entire process was professional, well-structured, and, most importantly, very fast. Everything was completed within a few days, and I received my financing approval promptly.

I was particularly impressed by the quick and straightforward communication – both over the phone and via WhatsApp. Daniela was always available, responded quickly, and made the entire process incredibly smooth. I felt well taken care of at every step.

Compared to another provider I had previously consulted, the advice here was significantly better. I received more competent information, and the entire process was much more efficient. While the experience elsewhere was lengthy and unclear, everything here went smoothly and transparently.

Thank you, Daniela, for the excellent support! I can highly recommend this service.

Für die Finanzierung einer Immobilie haben wir uns doppelt beraten lassen. Einmal von einer Bank aus dem Sparkassenverbund und einmal bei finbird.digital. Beide Beratungen waren sehr gut, besonders ein entscheidener Unterschied hat uns am Ende den Abschluss über finbird.digital machen lassen. Folgende Aspekte waren besonders bemerkenswert:
- Bei der persönlichen Beratung per Videokonferenz würde spezifisch auf unseren tatsächlichen Anforderungen an den Kredit eingegangen.
- Der Prozess war (soweit möglich) papierarm und damit umweltfreundlich.
- Wir wurden beim Beschaffen aller Dokumente und Ausfüllen der unzähligen Formulare unterstützt.
- Die Beraterin konnte aus einem sehr breiten Spektrum den Kreditgeber mit dem passendsten Angebot vermitteln (der entscheidene Unterschied).
- unsere Beraterin war sehr geduldig mit uns und haben ein aktualisiertes Angebot erhalten, nachdem sich die Zinsbedingungen auf der Markt geändert hatten. Das hat uns am Ende einige Tausend Euro gespart.
- Wir hatten das Gefühl "in guten Händen zu sein".

Auch im Nachhinein betrachtet sind wir mit der Entscheidung und dem gekauften Produkt vollständig zufrieden.

Bottom line: I highly recommend Findbird if you are looking for a mortgage in Germany!

I am French-Mexican and, with my German wife, we were very happy partnering with Daniela and the Finbird team for the financing of our family house in Kelkheim (Taunus).

The whole process was very smooth and professional. From the very beginning of our collaboration, and before we found the ideal plot for our house, Daniela provided us with:
1. Clarity on how the mortgage application process works and which documents you need to gather
2. A good idea of what you can expect in terms of financing conditions
3. Interesting market insights and recommendations on how to structure the mortgage

Once we found the plot, and were ready to launch the application process, things ran very smoothly, and it was easy to complete and submit the application (everything was digital).
Once submitted, the Bank confirmed and pre-approved in less than a week. It was impressive how fast and without any additional questions the Bank responded positively. I think how Danieal structures the process and help her clients going through it really facilitates the bank’s work. Findbird adds tremendous value being between you and the Bank.

Anecdote: The deal was closed a Friday CoB just before Christmas and, thanks to Daniela’s push, we got the KfW credit lines just minutes before they scheme was stopped/suspended.

Daniela’s advice was very helpful beyond the mortgage itself: For instance, she provided valuable insights on how to fairly price the offer we did to buy the plot for our house and even helped us with a template to make the offer in German!

Our interactions were always friendly and direct. Finbird team was always available and very proactive to help us!

I was on a mission to secure a reasonably low-interest mortgage to finance a house purchase just outside Berlin — easy, right? Not when you don’t speak German and have to face the terrifying wall of bureaucracy that comes with the process! Thankfully, Daniela came to the rescue.

From day one, Daniela was incredibly helpful and responsive. She patiently guided me through the maze of forms, requirements, and banking lingo that I wouldn’t have survived on my own. She always had options ready, answered my endless questions with a smile, and somehow managed to make the whole process feel less intimidating.

Without Daniela’s support, I’d probably still be stuck somewhere between countless forms and the depths of German mortgage hell. If you need someone who’s not only knowledgeable but also genuinely cares about getting you the best deal — Daniela is your person!

I am delighted to recommend Daniela Kögel as an outstanding financial broker. She combines professionalism, kindness, and remarkable accessibility, making the financial process seamles. Daniels’s deep market knowledge and clear, effective communication in English have been invaluable. She listed to my needs, provided well-informed advice, and was always available to answer questions.
Daniela stands out for her expertise, approachability, and dedication. It has been a pleasure working with her, and I highly recommend Daniela to anyone seeking exceptional financial guidance.

I had an AMAZING experience with Finbird. Their webinars and then 1:1 personal touch left me speechless.

Although their services are free for us as consumers I felt like they did such a good job that I'd pay €2000-3000€ just because I was guided so well.

Pros are very clear to work with them:
1. 1:1 guidance
2. Personalized approach
3. Honest offers

Their offers were more competitive than other banks. But at the end, it is about "who" you want to work with and get connected once banks are introduced.

Finbird will have your back.

We were looking for a flat in Munich metropolitan area for own usage and Finbird supported us during the financing process.
We have a middle level of German, so for us it was important to exchange in this topic in English as it was a big decision for us. Daniela proposed us different options with their pro/cons and she was always answering to all our question, even after the signature of the contract. She was always clear, and transparent and provided us guidance during all the process. Exchanges were friendly and easy going, what was also important. Highly recommended

Finbird (Daniela) have been incredibly supportive throughout our house buying process here in Germany. The whole process of securing a loan and negotiating with the banks was undertaken by Daniela and she explained to us both in numerous emails and also in telephone discussions how the procedures worked, it was for us brilliant as she was clear, straightforward and made things very easy to understand. Our timelines were also actually quite elongated and from start to finish because we were prepared to wait for the house that we wanted; I think that our dealings with her took about ten months. We would like to express our heartfelt gratitude to Daniela, for a couple of people like us whose German language skills are not very good, she was everything that we could have wished for, I am sure that there were times that we were asking things completely out of her remit but nonetheless she was always quick to reply and always with great information. Thanks again and I look forward to being able to recommend your services if I encounter anyone in a similar position to us.

Ich hatte eine herausfordernde Situation mit einem Wohnungskauf in Deutschland und der Finanzierung. Das finden eines Kreditgebers gestaltete sich als nicht in Deutschland lebender sehr schwierig und auch die Konditionen waren nicht zu meinem Vorteil. Finbird Digital hat mich sehr kompetent durch den Fragen Dschungel geführt und konnte mir in kurzer Zeit mehrere Weg aufzeigen wie wir die Immobilie finanzieren können sowie mehrere Kreditgeber ausfindig machen.

I was trying to get financing alone for almost for 5 years. It never happened. Although some banks made some vague promises to provide me with financing, some meaningless excuses were followed up consistently. Therefore I kept missing good opportunities.
With Daniela, I managed to get a smooth deal done with minimum time investment from my side.
I closed the deal with the seller and secured a 3-month reservation, simultaneously providing Daniela with all the necessary documents for financing, and I got the offer for financing the first week after the deal was closed.
Although initially the deal was for 80% financing, the following week Daniela managed to enhance the financing in my favor to 100% financing and the same interest rate!
I closed the deal without taking any day off from work!
Professionally, Daniela is unmatched, entirely transparent, and always acting in my interest. Speaking of my experience
Daniela is also soft-spoken and very pleasant to interact with, which I find crucial when negotiating financing services on behalf of expats in Germany.