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Siden 2003 har vi udviklet og konstant styrket et koncept til overvågning og omlægning af realkreditlån. Dette sikrer dig gevinst – uanset om renten stiger eller falder. Når renten går op, kan du få en lavere restgæld ved at omlægge dit lån til en højere rente. Matematisk bliver restgælden reduceret med cirka 7 kurspoint, når renten stiger 1%-point. Når renten falder igen, kan du omlægge til en lavere rente, og dermed få en lavere ydelse, på baggrund af den lavere restgæld. Vi tilsikrer, at du har et 30-årigt fastforrentet obligationslån. Hver gang der opstår mulighed for en fordelagtig omlægning, op eller ned i rente, kontakter vi dig straks. På den måde kan vi med aktiv gældspleje, ændre dit realkreditlån fra at være dit største passiv, til at blive dit største aktiv.
Denmark
Quite simply the best advisor i've found in the market. Great visuals , great knowledge and communication.
I've deeply appreciated the breakdown for a first time buyer and i was saved from a unhappy deal I got myself into to a better one with little to no hassle.
I highly want to express my thanks to Jesper who was in charge of the whole process.
Understanding the Danish mortgage system can be challenging for those new to Denmark. Jesper took the time to explain this to us and helped us get a good deal. Excellent service - we have no hesitation in recommending Howden!
I can highly recommend using this company’s services for managing your home loans - hands down 5 star service and these guys and girls really know what they are taking about. Thanks again Jesper!!
Very professional help from Martin. Highly recommend it to people who do not have much knowledge about bank loans (like me). A great saving of time and money.
Jesper took us by the hands and gave us a lot of information and advice on realkredit that we would not otherwise have thought of. He was always ready to answer questions and always replied our emails in timely manner. He definitely made this whole process of buying a property much easier and understandable. Totally recommended!
Martin is a competent and soft spoken professional who was nice and friendly and always ready to listen and reply to queries. For me, it was difficult to know and navigate through Danish housing finance system and Martin's expertise helped me take the decision that may save me significant sum of money over the loan period. From the analysis Martin provided I selected the loan and the institution which I would otherwise have not selected. Only drawback was that there were no negotiations with the financing institutions. Help negotiation was mentioned in the package and I thought Martin will negotiate with financing institutions and help reduce some financing institution costs. But absence of such negotiations seems more to do with the regulated but monopolistic character of the housing finance market in Denmark then anything else. Overall, it was very good experience and I would certainly recommend him.
Reply from Howdenrealkredit
Hi, thank you so much for taking the time to make a review of our service, I’m really appreciating this.
It was a true joy to help you out, and I’m pleased that we found a smart way to structure your loans, to service your needs and wishes. Regarding the negotiations, you mention, are you absolutely right that it’s part of the service. I’m sorry if you feel this part was missing a little bit, but I can assure you it was there.
Your case was a little bit special, as we had to change credit-institution pretty late in the process. As you know, the reason for changing institution, was that the loan we found best for you, was roughly 11.400 cheaper each year, due to a better suited bond-maturity at the other credit institution. This institution was also cheaper with the initial fees, and the recurrent fees, so negotiating the already low fees, with them knowing it was hard to choose anyone else, was difficult.
However, for this particular credit institution, we have actually already negotiated a deal. This means they will pay a referral fee after they issue the loan. I expect to be able to send you an additional kr. 5.100 end of next month (I will contact you for your account number etc. when they confirm the payment, so I can transfer to right account).
I think we ended up with a pretty good deal, and a very nice saving for you (total saving about kr. 150.000).
I’m really happy to know that the negotiating part of my service was not passed on clear enough, so we have the opportunity to change this going forward.
As you know, you are always more than welcome to call me at 71 995 996, or write me an e-mail at martin@realk.dk if you face any questions about your loans. Thank you again, for taking the time to write a review.
Best
Martin Riedel
Martin helped us to choose the loan type for the apartment we recently purchased, as we didn't know anything about the Danish mortgage system, being foreigners. He was very patient with our many questions, extremely professional, and very helpful in his explanations. Last but not least, we unfortunately had many problems with our bank to fix the loan and bond price, and Martin, while his job was over, as he was only supposed to explain to us which loan would be best for us, went the extra mile when he learned about our problems, and helped us get a cash compensation from the bank for the mistake they had made in our case. We were extremely thankful to him, because we were so affected by this problem with the bank that we had no more energy to fight... I can only strongly recommend Martin to anyone who needs financial counselling, it is very rare to see someone like him who really cares about his clients and does his utmost to help out. You will be in good hands, for sure, if you choose Martin. Thanks for everything Martin, from the bottom of our hearts!
Reply from Howdenrealkredit
I’m glad that the fight with your bank played out so well.
It has been a pleasure helping you with this, even though it took a bit more than first anticipated :-)
Feel free to contact me again in the future if you have any questions regarding the mortgage or bank loan.
Wish you both the very best in the future.
Best Regards
Martin Riedel
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