Wüstenrot Bausparkasse review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Wüstenrot Bausparkasse suits German buyers funding a purchase or remortgage with a savings mindset, and the cost case rests on an APR of 4.96%. Terms run 60 to 240 at a fixed rate, and a hard credit check stands between an application and the money.

Key facts

Best for
Property buyers and remortgagers with a building society account who want a fixed, secured German home loan.
APR
4.96% (Source, checked September 26, 2026)
Loan amount
from €25,000 (Source, checked September 26, 2026)
Term
60 to 240 months (Source, checked September 26, 2026)
Arrangement fee
1.000 EUR (Wohndarlehen Flex and Constant); 200 EUR (Wohndarlehen Turbo) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Immediate (sofort) disbursement (Source, checked September 26, 2026)
Representative example
Wuestenrot Wohndarlehen Classic: 100.000 EUR net loan amount, 10 years fixed, 4,85 % nominal rate, 2 % repayment, 570,83 EUR initial monthly rate, 175.038 EUR total amount over 308 instalments (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
No upper age limit for borrowers; Wohndarlehen Turbo not available to freelancers and self-employed (Source, checked September 26, 2026)
Origination fee (%)
1% (Source, checked September 26, 2026)
Loan types
Secured, Bridging (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Wuestenrot Bausparkasse AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1921 to 1924 (Source, checked September 26, 2026)
Support channels
Email, Phone, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
wuestenrot.de

Mortgages

Initial rate
4.85% (Source, checked September 26, 2026)
APRC
4.96% (Source, checked September 26, 2026)
Fixed period
10 years (Source, checked September 26, 2026)
Maximum loan to value
60% (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Wuestenrot Bausparkasse AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1921 to 1924 (Source, checked September 26, 2026)
Support channels
Email, Phone, Chat, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataLinkedInyoutube.com

Pros and cons

Pros

  • Fixed-rate lending at an APR of 4.96%, under the site median of 12%
  • Free early repayment, so overpayments carry no charge
  • Disbursement is Immediate (sofort) disbursement, which suits chains that cannot wait
  • Credit checks are hard, so failed searches are avoided

Cons

  • The arrangement fee is higher on Wohndarlehen Flex and Constant
  • Wohndarlehen Turbo is not open to freelancers or the self-employed under the stated eligibility rules
  • Borrowing caps at 60% loan to value
Wüstenrot Bausparkasse

Ready to try Wüstenrot Bausparkasse?

Scored 9.5 / 10 by BorrowCue.

See alternatives

Who it suits

  • Homebuyers and remortgagers with existing property equity to offer
  • Savers who prefer a building society relationship over a broker
  • Borrowers who value a fixed rate and free early repayment

Who should look elsewhere

  • Self-employed applicants, who cannot access Wohndarlehen Turbo
  • Anyone borrowing less than from €25,000 for a small repair job
  • Buyers needing a loan to value above 60%, where Sofkredit or Solcredito MX may stretch further

Safety and regulation

Wüstenrot Bausparkasse AG is a direct lender based in Germany, supervised by the Bundesanstalt fuer Finanzdienstleistungsaufsicht and the European Central Bank. Because money moves direct from the building society, there is no broker in between. Its representative example for Wohndarlehen Classic shows a loan with a fixed period of 10 years, so what you sign for is what you repay.

Where it sits among rivals

On loan amount, this lender ranks 75 among 685 brands compared, so it sits well up the size table. On APR the position is 67 of 350. That mid-table cost ranking fits a home loan lender rather than a cheapest-in-market lender, and the 4.96% tells the full picture once fees are counted.

How Wüstenrot Bausparkasse compares

Where Wüstenrot Bausparkasse is available

Available
Germany, Luxembourg
Licence in Germany
European Central Bank (EZB), checked September 26, 2026
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate do I pay on a Wüstenrot home loan?+

The advertised rate is an APR of 4.96% with an APRC of 4.96%, set as a fixed rate. The initial rate shown is 4.85%, and the fixed period runs 10 years. Lending is fixed-rate only, so your payments do not shift with market rates.

How much can I borrow?+

Borrowing starts at from €25,000, which suits property purchases and larger renovation work rather than small repairs. The maximum loan to value is 60%, so you would bring a substantial deposit to the table. Terms run 60 to 240.

What fees does Wüstenrot charge?+

An arrangement fee applies to Wohndarlehen Flex and Constant, and it is the higher of the charges listed. On savings products the origination fee is 1%. Early repayment is free, so repaying capital ahead of schedule costs nothing.

Who regulates Wüstenrot Bausparkasse?+

It is supervised in Germany by the Bundesanstalt fuer Finanzdienstleistungsaufsicht and the European Central Bank. It is a direct lender, direct lender, so the contract and the money run between you and the building society. No intermediary sits on the deal.

Can I repay the loan early without a charge?+

Yes. Free early repayment applies, so capital you pay back early is not penalised. Combined with the fixed rate of 4.96%, that makes overpaying a straightforward way to cut the total cost of a mortgage.

How long does it take to get the money?+

Disbursement is Immediate (sofort) disbursement, which suits a purchase chain where the seller expects speed. The rate and term are agreed before that point, so an immediate release follows a completed valuation rather than a slow underwriting wait.

Can freelancers or the self-employed apply?+

Not for Wohndarlehen Turbo, which the stated eligibility rules close to freelancers and the self-employed. The rest of the range stays open to them, and applicants of any age can apply, with terms set by 60 to 240.

How does the cost compare with other lenders?+

Its APR of 4.96% sits below the site median of 12% and the 6.13% lower quartile figure, which is strong for secured lending. In APRC terms it reads 4.96%, against a site median of 4.9%. Add the arrangement fee and the picture stays competitive.

Sources

  • wuestenrot.de checked September 26, 2026

    Backs: Credit check, Funding time, Lender type

  • wuestenrot.de/baufinanzierung/finanzierungsloesungen checked September 26, 2026

    Backs: Loan amount, APR, APRC, Eligibility, Fixed period, Free early repayment, Initial rate, Maximum loan to value, Pricing model, Arrangement fee, Purpose, Rate type, Representative example, Term, Use cases

    “Wohndarlehen Classic: Ab 25.000 Euro Finanzierungssumme”

  • wuestenrot.de/bausparen/bauspartarife checked September 26, 2026

    Backs: Origination fee (%)

  • wuestenrot.de/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels, Licences

    “Sitz Kornwestheim, Deutschland”

  • wuestenrot.de/ueber-uns checked September 26, 2026

    Backs: Founded, Loan types

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Wüstenrot Bausparkasse

Wüstenrot Bausparkasse

Property buyers and remortgagers with a building society account who want a fixed, secured German home loan.

9.5/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings