Financial advice by Dino Pegoski, online across Germany
The right loan starts with an honest conversation.
I arrange mortgages, personal loans and private health insurance, and compare offers from different banks for your financing. Even if your own bank has already said no.
- Registered with the IHK under §34c, §34d and §34i GewO
- Advice online across Germany, in person if needed
- In English, German and Bosnian
- First consultation free and without obligation
Your loan application
Dear applicant,
after carefully reviewing your documents, we regret to inform you that we are unable to grant your financing request.
That was one bank. Not all of them.
Mortgage declined? That doesn't have to be the final word.
Every bank has its own rules. What one bank declines because of a Schufa entry, too little equity or a probation period may still be possible with another. I take a fresh look at your case and approach the banks that fit your situation.
The lending decision is always made by the bank. Nobody can guarantee an approval, but I'll tell you honestly what your chances are.
How I can help
Three topics, one person to talk to. Explain your situation once and I'll take care of the rest.
Mortgages & property loans
Buying, building, refinancing or renovating. We work out together what's realistic, and I collect offers from suitable banks. Even after a rejection or with a Schufa entry.
Get advice on thisPersonal loans
For a car, a move or furniture, or to combine several expensive loans into one. With a clear monthly rate and a fixed term.
Get advice on thisPrivate health insurance
For the self-employed, civil servants and employees above the compulsory insurance threshold. I explain clearly what matters over decades and find the right plan with you.
Get advice on this
- Listed in the IHK intermediary register
- Online across Germany, in person if needed
- First consultation free
Hi, I'm Dino.
With Finanzyugo, I support people all over Germany with loans, mortgages and insurance. Advice happens conveniently online by video or phone, and we can also meet in person if needed.
Many people come to me after their bank turned them down or because they didn't feel understood there. I take my time, listen and explain every step so you can follow it. In English, German or Bosnian.
My goal: that you make a decision you'll still stand behind ten years from now.
Dino Pegoski
Dino Pegoski, owner of Finanzyugo
How it works
You get in touch
Via the form, WhatsApp or a call. A few key details are enough to start.
We talk about your situation
Online by video or phone. I listen, ask the right questions and tell you exactly which documents I need.
You get a clear proposal
I collect suitable offers, explain the differences and support you until you sign.
The first consultation is free for you. If a contract is arranged, I'm usually paid by the lender or insurer. We discuss this openly in advance.
Licensed and registered
Financial intermediation is strictly regulated in Germany. My licences are publicly listed.
- §34i GewOMortgage credit intermediary
- Register no. D-W-175-3H33-10
- §34c GewOLoan intermediary
- Licensed by IHK Region Stuttgart
- §34d GewOInsurance agent
- Register no. D-SA5R-I7ZH4-18
Frequently asked questions
Does the advice cost anything?
The first consultation is free and without obligation. If a loan or insurance contract is arranged, I'm usually paid by the lender or insurer. You'll get all details transparently in advance.
Is a mortgage possible with a Schufa entry?
Yes, it can be. Every bank weighs Schufa, equity, income and employment by its own criteria. I check what the issue is and approach banks whose criteria suit you better. I can't guarantee an approval, but I'll tell you honestly where you stand.
Will an enquiry hurt my Schufa score?
No. I start with condition enquiries, which don't affect your score. A loan application is only submitted once you've chosen an offer.
Which documents do I need?
To start: ID, your latest payslips and bank statements. For a mortgage, documents about the property as well. After our first call you'll get an exact list.
Do I need to come by in person?
No. I advise online across Germany by video or phone. If you'd rather talk in person, we'll find a time for that too.
Do you also advise in Bosnian?
Yes. I advise in English, German and Bosnian, so you understand every detail.
Let's talk
Reach out however you prefer. I'll get back to you promptly.