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We work with 750 mortgage lenders to find you the right mortgage.

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Just answer a few questions to see what you can afford and where you qualify

Our service is free as we're paid by lenders

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
product based on your circumstances.

We'll find you the optimal mortgage

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

Francesco Polentini

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Consultation Software

We'll consult you over video for free

Our mortgage advisors will guide you through your options using our proprietary video consultation software, helping you to understand, find and apply for the right mortgage.

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!

Poornima Vadivel

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Find all of Germany’s properties in one place

Our property search engine combines offers from all major platforms and notifies you of new listings based on your search preferences.

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.

Ben Cross

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What Our Clients Say

Don't take 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.

Mykhailo Shabas
2 month ago
I had an amazing experience with Hypofriend! The entire mortgage application process was incredibly smooth, transparent, and well-guided. It took almost two months from the first consultation to the moment my mortgage was paid to the seller—every step was handled professionally and efficiently. A special thank you to Michael, who provided outstanding support throughout the process. He was always available to answer my questions, explained everything clearly, and ensured I had all the information I needed to make the right decisions. His friendliness, expertise, and patience truly made a difference! What I especially loved about Hypofriend is that everything is handled 100 % online. You can manage the entire process from home, through phone calls and video consultations, making it incredibly convenient and efficient. No need for in-person appointments — just smooth and hassle-free service! I can highly recommend Hypofriend to anyone looking for a fast, reliable, and customer-friendly mortgage advisory service. Thank you again for making this process so easy and stress-free! 🚀💯
Kelly Diepenbrock
2 month ago
We were recommended Hypofriend by another first-time home buyer who had a great experience with them – and she was right! Michael, Oliver & Mike really held our hand through the whole experience, taking the time to explain everything to us and making us feel confident and capable. I now not only feel confident about the home loan we signed, but I feel I overall have a higher financial literacy. I would 100 % recommend Hypofriend to anyone buying a flat in Berlin!
Alejandro Gallego
2 months ago
Hypofriend is a great support in the journey of acquiring a property in Germany, not only on the financing part, but also in understanding the overall process, checking affordability, and financial analysis of the purchase and different mortgage options. I have worked with Julia, who has timely addressed all my questions, secured the financing, saving me the effort and time to go through different banks, and getting a financial certificate to prove my affordability to the seller and secure the apartment; in addition, as interest rates had risen meanwhile shortly after, I could secure a better interest rate as the overall process was faster, closing the interest with the bank before the highest increase in German bond interest rate in recent history.
Vijay Singh
1 month ago
I had a great experience working with Hypofriend, and I especially appreciate Paul Lindenberg for his exceptional support. From the very beginning, he took the time to explain every step of the process in a clear and structured way. As an expat, navigating the bureaucracy and language barriers can be quite overwhelming, but Paul went the extra mile to make things easier. He even took the initiative to communicate with the company I was dealing with, ensuring everything moved forward smoothly. I highly recommend Hypofriend for their expertise, transparency, and dedication to helping clients.
Alexandru Buruiana
2 month ago
Hypofriend has offered a tailored, excellent service for me as an expat looking to acquire a property. There are many ups and downs in the searching, bidding and mortgage processes, but I have felt confident that I can always use the tools provided by Hypofriend or reach out to the team to guide me through the process. I very much appreciated the evaluation tools that I can use for self-service, but it has been equally important to have someone skilled like Timur or Oliver, who always replied quickly and have been available to discuss along the journey. I am almost done now with the full process and would like to thank especially Timur for his hard and valuable work! I am glad we reached out to them and would recommend everyone to do the same.
Mircea Sulger
3 month ago
I found Hypofriend online and also recommended by some friends. I worked with Janina who helped me understand the property acquisition process in Germany (I am an expat), gave recommendations on credits and also apartments that would fit my requirements. I really recommend Hypofriend, as they help with banks, offers, recommendations and guidance through the whole process, without any additional cost.
Alia Azab
2 months ago
Our experience with hypofriend was amazing, and it made the entire mortgage process easy and approachable. We talked to them when buying a property was merely an idea we were contemplating, and they walked us through the entire process until we purchased our apartment. Our mortgage advisor, Oliver, was super friendly, always responsive, provided a lot of options and re-calculations until we found a good deal that matches our finances.
Aleksandra Kujawa
2 months ago
We had a great experience with Hypofriend and would highly recommend their services. Our advisor, Jens, was extremely professional and took the time to answer all of our questions. As expats, we needed guidance on the process of obtaining credit in Germany, and Jens provided clear, detailed advice. He carefully reviewed all our documents and went above and beyond to ensure we were aware of the best credit options available to us. If you're considering buying an apartment and need a financial advice, I definitely recommend Hypofriend, and if you work with Jens, you can be confident that you're in excellent hands and will be well taken care of.
George Manolakis
2 month ago
Hypofriend is a great online mortgage advisor especially for people with no experience in the purchasing process of a house/apartment in Germany and no knowledge of German language. They are guiding and following through the whole process with a high engagement, and professionalism.

Our meta-search engine finds the optimal mortgage for you

The combination of our meta-search engine, valuation tools, and consultation technology helps us find the right mortgage for you from over 750 banks.

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?
We've got answers.

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