What’s behind Dreambooster.
Dreambooster is a modern financial concept that helps you build capital, lock in a target interest‑rate level for the future and prepare for later financing.
You save regularly, your money is invested professionally and at a later point you decide whether to use it for financing – or simply withdraw your savings including a bonus from interest-rate protection (conditions apply).
Who Dreambooster is built for
Dreambooster is designed for advisors who work with clients on long‑term, financed projects and want to add a modern interest‑rate protection and savings solution to their toolbox.
Private clients with real‑estate financing
Clients buying, refinancing or expanding residential or buy‑to‑let properties.
Entrepreneurs and business owners
Companies and self‑employed clients planning investments in property, equipment or business expansion with financing involved.
Families and private customers with long-term plans
Customers who invest for the long term and pursue important life goals in which financing also plays a role.
Whether Dreambooster is suitable for you depends on your personal situation, risk profile and goals. Your advisor will help you assess this.
1
DEFINE
Together with your client, you define the project, time frame and required credit volume.
2
PLAN
You determine the savings rate, term and investment strategy — for example an ESTR ETF or equity ETF, depending on the client's risk profile and time horizon.
3
Secure
Your client selects their desired future interest-rate level and the planned loan term (e.g. 5, 10, 15 or 20 years).
4
PRESENT
MFN provides an individual Dreambooster concept for your client — with a clear overview of savings plan, interest-rate protection and financing structure. It fits seamlessly into your existing advisory tools.
What Dreambooster delivers — for you and your clients.
For your clients
Greater planning certainty thanks to interest‑rate levels secured at an early stage.
Greater planning certainty through an interest-rate level secured at an early stage.
Assets held as segregated property — fully protected in the event of insolvency.
For you as an advisor
One structured concept that works across a wide range of client needs, no additional complexity.
Seamless integration into your existing processes and advisory tools.
Predictable earnings potential from your existing client base and every new mandate.
Send us an email to request example cases and Dreambooster advisor materials.
Use cases for your advisory services
Planning your clients’ own home
Building up at least around 20% of the purchase price over a period of 3–10 years, combined with an interest-rate level secured early for later financing.
Securing follow‑up financing
Your current loan rate will expire in a few years and you want to secure a manageable interest‑rate level in advance.
Structuring rented property
Using liquidity surpluses and tax refunds for savings plans and interest‑rate protection – ideal among others – for long‑term property wealth strategies.
Commercial projects & practice takeovers
Capital accumulation and interest‑rate protection for investments, modernisation or practice takeovers with typical loan terms of 3–5 years.
DREAMBOOSTEr SOUNDS interesting? Become a partner!
Dreambooster relies on regulated ETF structures and insolvency‑protected segregated funds. ETFs and interest‑rate protection instruments are held by independent custodians, and MFN works with a specialised partner ecosystem under German and European supervision to maximise client asset protection.
Through our specialised partner ecosystem, clients benefit from savings products in insolvency‑protected segregated funds, clearly documented interest‑rate protection with defined client rights, and full transparency on all costs and conditions before any contract is signed.
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faq
If you need more help or have a specific question, send us a note at info@m-f-n.com.
How secure is my financing when interest rates rise?
You define in advance which interest‑rate level you want to secure. If market rates move above that level, the interest‑rate protection compensates the difference – your financing remains more predictable.
What happens at the end of the savings phase?
You decide whether you want to withdraw your savings including returns or use them to improve the terms and structure of your future financing.
Can I have several contracts at the same time?
Yes, you can use several Dreambooster contracts in parallel – for example for your own home, an investment property and commercial projects with different timelines and different interest-rate security levels.
Can I access my savings at any time?
You are flexible once the savings period defined in your contract has ended.
For which real‑estate projects can I use Dreambooster?
You are free to choose your project: buying a new property, renovation, or protecting yourself against interest‑rate risk on existing loans – for homes you live in yourself or properties you rent out.
Can I use Dreambooster for other projects but real-estate?
Yes. Dreambooster is open for whatever later project you wish. Should your plans change while you save – no problem. You can use the money for your dream when the time has come.
How quickly do I have access to my money?
Towards the end of your savings period we will remind you in good time. If you notify us at least three weeks in advance, we can prepare the payout or the use for financing together with your advisor.
How much does 'spontaneous use' cost me?
Spontaneous use is not possible, as the conditions must be agreed in advance. However, you can set up different contracts with different terms to cover various scenarios.
What fees and costs apply?
There is a one‑time closing fee, a fee for interest‑rate protection and ongoing costs on the managed savings volume. All fees are shown to you transparently before you sign anything.
Can my clients run several Dreambooster contracts in parallel?
Yes, clients can hold multiple contracts with different terms and targets to address separate projects and timelines.
Become a Dreambooster partner.
Add Dreambooster to your real estate or corporate consulting. Become a sales partner of Modern Finance Nation and integrate Dreambooster into your advisory concept.