The shortest path to your dream home.

Get the best mortgage advice online for free.
Partnering with 400+ lenders to find you the best matching offer
Partnering with 400+ lenders to find
you the best matching offer

Hypofriend can help you at every stage
of the home-buying process.

See what you can afford

Use Hypofriend’s affordability calcuator to see what you can afford and if you qualify.
Popular use-cases we cover:

  • EU Residents
  • Freelancers
  • Blue-Card Holders
Optimal Mortgage

Find the right mortgage

Get the best mortgage reccomendation online from Germany’s most advanced recommendation engine.

  • Personalized Recommendation
  • Built by World Class Experts
  • Explained in Simple English
Chris Mulder
Dr. Christian Mulder

Hypofriend Cofounder

Should I rent or buy in Germany?

Our industry experts have built a number of easy to use mortgage tools to help you understand mortgages better and help our advisors give you the best advice in Germany.

Check if you should buy

The right mortgage can save
you thousands

Our intelligent algorithm will calculate the right mortgage for your personal situation taking into account factors nobody does.

10 year

Fixed Interest Period
1,29 %
507.677 €
0 €
131.910 €

15 year

Fixed Interest Period
1,74 %
400.899 €
12.486 €
120.270 €

20 year

Fixed Interest Period
2,10 %
298.707 €
40.814 €
139.860 €
Interest rate
Loan balance
at end of period
Additional cost of
5 years fixation
Expected Total
Mortgage Cost
How does the algorithm work?

Why it pays to use Hypofriend

We’re not affiliated with any banks so our results are objective,
factual and honest.

Traditional Lender

  • No Recommendation at all
  • No English Experts
  • Slow Approval
  • Biased Advice
  • Hidden Fees


  • Objective Recommendation
  • English Experts
  • Quick Approval
  • Bank Independent Advice
  • Free & Transparent

Hypofriend combines technology with finance
to ensure future homeowners get the right mortgage
and a transparent process.

Read our story

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