A construction financing advisor deals with the long-term goals of his clients, such as building their own four walls, which the owner can design according to his wishes. The construction financing consultant is familiar with the detailed requirements of a construction project and is responsible for the financial processing of the house construction. Private customers turn to him, in order to convert the own project into the reality. His services can be directed to private households as well as to companies.
He advises the customer with regard to the possible forms of investment as well as with regard to his situation and does not distribute contracts arbitrarily. Furthermore, he mediates between banks and the customer to obtain construction financing. As a third factor, he takes into account the interests of his employer. His goal is to find the best deal for his client.
What is the salary as a mortgage consultant in Germany??
The salary is Germany-wide on average between 3.500-,€ and 4.600-,€ gross per month for a 40 working hour week and varies depending on work experience, level of education, company size and federal state. Best paid are Baufinanzierungsberater/-innen in Hamburg, Hessen and Barden-Wurttemberg and least salary gets this occupational field in Mecklenburg-Western Pomerania, Saxonia, Saxonia-Anhalt, Thuringia and Brandenburg.
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The way to become a mortgage consultant: The training
A degree as a certified mortgage broker from the Real Estate Academy is a good way to secure good opportunities for a career as a construction financing advisor.
Required knowledge and skills
Construction financing consultants should have the empathetic ability to respond quickly to other people and to understand their needs in a personal consultation. As a result, an initial trust-building foundation for working together has already been established in most cases. Finally, he should attach importance to his independence and communicate this openly to customers. In addition, no secret should be made of the fact that he or his employer receives a commission for his work.
Mortgage brokers use special databases to quickly compare the current interest rates of various banks. In this respect, a certain level of expertise is indispensable, also in terms of a feel for the long-term development or. Addresses trends.
He should be aware that he is operating in a delicate environment. A few years ago, the global financial crisis has been massively destroyed confidence and many private investors have lost large sums of money. In addition to a serious appearance, a high degree of professionalism and transparency is therefore also required.
Of elementary importance is that he acts only as an intermediary and is not a loan or lender. The prerequisite is not only a good knowledge of the industry, but also an excellent network of banks, insurance companies and credit institutions. Numerous legal provisions must be observed in his activity, especially with regard to the Consumer Credit Directive.
Work Environment
They find a job in financing companies or with a property broker, but also banks and building societies come into consideration as employers. With these, the construction financing consultant acts neutrally in relation to other companies.
Another perspective is professional self-employment, for example as a mortgage broker.