Yes in Germany you can make extra payments called Sondertilgung of 5,00 % - 10,00 % of the initial loan amount to pay-off your mortgage faster. Most banks allow you to make this payment once per year without paying a penalty. If this is important for you we can find products that allow for higher payments without penalties.
If you expect interest rates to rise, using extra repayments can decrease your loan balance at the end of your fixed interest period. For example, if after 5 years you see interest rates are increasing and you are worried about your refinancing risk, you can use extra repayments to reduce your remaining loan balance and ultimately the refinancing cost.
Use Hypofriend's affordability calculator to see what you can afford based on your personal situation.
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