Hi, we're Hypofriend

We exist to help customers make smarter mortgage decisions

For many, the process of getting a mortgage is hard; complex, time consuming and outdated. At Hypofriend, we are at the forefront of change.

We are changing the way people think about their mortgage and their house. We have made it our mission, to make getting a mortgage in Germany much easier, and more transparent. But most fundamentally our mission is to help customers make mortgage what it ought to be: part of a sound financial and happy future for our customers.

While other brokers just offer products, we help our customers understand the rationale of buying a house, and what type of mortgage best fits their financial future. We are no car sales people, we are mortgage doctors: we ask our customers key questions and explain their choices and the impact. We make a diagnosis, rather then sell a product that the customer does not quite understand.

At the core we have built our unique Hypofriend Engine (True Cost Algorithm), to help us do just that -- remove the bias to find customers the right mortgage product at the best rate from hundreds of lenders given their unique characteristics.

In other words: Hypofriend’s mission is to help customers make smarter mortgage decisions on their journey to becoming a homeowner. We want our customers to be able to decide with confidence and for them we will demystify mortgages and make the process feel and look simple.

We’re the friend customers can always turn to for unbiased and independent advice.

- The Hypofriend Team

What we stand for

Our values guide us in every single decision we make.

Integrity

We were founded to solve a problem we’d experienced first hand, it’s imperative that we do not get dragged into the same intransparent, money making tendencies, hence transparency & ethics are critical to our mission. Having a strong moral code protects us from when the industry gets broken open.

Passion & Care

We work with passion and care as we solve problems. Emotion and empathy are key parts for how we understand and listen to our customers and colleagues. We treat everyone with respect and listen to each others inputs. Data is key to argumentation, so is logic and reason, but everyone has a right to an opinion.

Customer centric

We are helping our customers with some of their most important financial problems. We have their best interest at heart. Which sometimes means we try to convince them to take positions that go against their instincts. We respect our customers and seek for them to fully own their decisions.

Meet the team

Get to know the amazing people behind Hypofriend

Nick Mulder

Nick Mulder

Co-Founder & CEO

Christian Mulder

Dr. Christian Mulder

Co-Founder & CFO

Pavel Jurasek

Pavel Jurasek

Co-Founder & CTO

Stephan Raczak

Stephan Raczak

COO & Senior Mortgage Advisor

Kajsa Kristersson

Kajsa Kristersson

Fullstack Engineer

Michael Senker

Michael Senker

Head of Mortgages

Luka Zigic

Luka Zigic

Junior Mortgage Advisor

Tiago Parreira

Tiago Parreira

Fullstack Engineer

Adrian Hylton

Adrian Hylton

Mortgage Advisor

Johanna Dahlroos

Johanna Dahlroos

Head of Design

Christopher Reinhardt

Christopher Reinhardt

Senior Mortgage Advisor

Linda Janzing

Linda Janzing

Operations & Talent

Valentin Melgar

Valentin Melgar

Data Analyst

Valentin Melgar

Simon Lacroix

Sr. Fullstack Engineer

Valentin Melgar

Pawlin Kaur Marwah

Customer Success Manager

Fraley

Fraley

Office Happiness manager

What they say about us

We’ve helped hundreds of customers get a mortgage in Germany

"Got the most positive professional and patient support"

Got the most positive professional and patient support. The rule positions were explained very well. The service is really heaven sent for expats. Would strongly recommend Hypofriend.

"Professional and reliable "friend"

I really appreciate Hypofriend’s professional advice and supports that helped us go through the whole process efficiently from defining the needs based on my personal situation to finding a suitable mortgage offer in the market. Would definitely recommend their service to anyone.

"The best! I cannot wish a better experience"

I cannot wish a better experience. The Hypofirend team is just amazing. They have spent a lot of time explaining how the mortgage market works and then finding a solution that would be perfect for my case and financial situation. As a result, they came up with a very customised mortgage offer that was quickly approved by the bank. They also always happy to answer any questions I have when it comes to the post mortgage approval process. Highly recommended!

"Hypofriend is a true friend"

I had an excellent experience with Hypofriend and will highly recommend them to anyone seeking to navigate the complex process of buying a home in Berlin. They have provided clarity of process, kept things simple and efficient and walked me through every step, in addition to actually securing me the mortgage to buy the house.

"Excellent -- these people know everything about mortgages in Germany"

Michael was able to explain very deep details and answer ALL our questions where previous mortgage advisors we spoke with failed to provide answers or any valueable explanation. Michael provided an excellent overview of what happened with my mortgage and when -- all related fees, options, timelines. This information was very valuable and was the key decision point for us. We indeed saw a professional and were confident in what we were doing. Hence, we decided to go with Hypofriend.

"More than just a broker"

I would definitely recommend their services especially since it's essentially free for me. I don't think I would have been able to do it if not for them.

"Without Hypofriend we simply would not have been able to buy our apartment!"

We are so grateful to Stephan and Michael from Hypofriend for their excellent advice and help; from our initial meeting onwards the team at Hypofriend were extremely friendly and helpful - without them we simply would not have been able to secure our mortgage and purchase our dream apartment. They have supported us fantastically at every step of the process, even right up to the end with assisting us signing our mortgage offer and explaining how the process works after the Notar appointment. Thank you once again guys!!

"So refreshing dealing with a German mortgage broker that's living in the 21st century!"

As two first-time buyers and expats living in Berlin (from Canada/Australia) we were so happy and relieved to come upon Hypofriend. Nick and Michael were both extremely knowledgeable about mortgages in Germany and had no problem navigating our many questions. They work super quickly and were responsive at all times of day, helping us to get our mortgage locked in only a couple weeks after finding the property we wanted. The best part is that they consider the best mortgage product for the customer, not for their own commission, which I really appreciate. We can't recommend Hypofriend enough!

Excellent 9.7 out of 10

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