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I found their service quick, efficient and good value. Timur Köhler has made almost impossible - improved the interest rates several times! English language skills were excellent. Very helpful when I had questions. Nice people to work with. Would definitely use again.

Elena Kondaleva

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We'll find you the right mortgage
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Our recommendation engine calculates your optimal mortgage comparing hundreds of lenders and thousands of loan options

They have been very helpful in navigating the complex process of getting a mortgage in Germany. All has been very structured and clear from the beginning, and all the resources and tools that you can find in their website are a great example of how technology can enable a better experience for a customer

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I would highly recommend Hypofriend to secure the perfect mortgage especially for first time home buyers. Our agent Janik guided us through the whole process and was always ready & willing to provide us with detailed answers. Thanks for making our home-buying experience a smooth and enjoyable one!

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Hypofriend have been an invaluable guide throughout our buying process. Could not recommend highly enough. Trustworthy, reliable, patient and transparent. Incredible guides through what can be a complex, and opaque process.

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Don't trust our word for it. Over 250.000 have used Hypofriend and we've supported 1.000s of people with finding and financing their dream home in Germany.

We put all the pieces together

We use technology to recommend you the optimal mortgage for your situation.

module Mortgage

class Checker

def initialize(calcul

calculation.monthly_

@calculation = calcu

end

def possible_pay_off?

@payments = (

Amortization.table(

Date.current

Date.current + 40.

default_result

) do | result, monthly_payment,

previous_monthly_pay

| previous_monthly_p

Marie

Marie, 32

Berlin

45.000 €

Savings

3.200 €

Monthly Income

Permanent

Residency

Munich

Property Location

10 years

Likelihood to own the property

Yes

Partner

Ilustation

390.000 €

4 room, 74m2 apartment in Kreuzberg

420.000 €

Estimated
property value

10 years Fixed Interest Period
Expected interest rate
Purchase price
Loan amount
Loan to value
Monthly rate
Repayment rate

Do you still have questions?
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Is the service free?

Yes, our service is always free. Just like any German mortgage broker, we get paid a standard commission by the lender for processing a successful mortgage application. This commission will always be paid by the lender and not by you the customer. As a privately owned and independent company we strive to always deliver the best result for our customers without compromising our values.

Who is behind Hypofriend?

Hypofriend was founded in 2017 by Nick Mulder, his father Dr. Christian Mulder, and later on Pavel Jurasek to help customers make smarter mortgage decisions. Together with a team of over 50 engineers, economists, and mortgage experts they have helped hundreds of customers understand mortgages better and realize their dream of buying a property in Germany.

How does it work?

Start by calculating what you can afford, our Property Radar will then suggest properties you may be interested in. Or simply fill in the details of the property you'd like to finance and we'll calculate your optimal mortgage, advising you on how long to fix the interest rate, how quickly to repay your mortgage and how much equity to invest. We'll then apply you for the best mortgage. You will typically get your mortgage approval within 3 to 10 working days.

Read more in our FAQs

"Hypofriend is a wonderful mortgage brokering service that can help German citizens and expatriates alike in the extremely complicated German mortgage financing process."

Brett