VZ VermögensZentrum

VZ works on a fee basis: advisors get no kickback from the lender, which cuts down the conflict of interest that comes with commission-based brokers. Customers pay a fee for the advice, but in return get a recommendation that's independent of the partner's interest rate.

VZ accompanies the whole process, from the affordability calculation through comparing quotes to signing the contract. Beyond a first mortgage, VZ also offers structured renewal advice and systematically checks whether switching lenders would pay off.