Dr. Chris Mulder

Deep Dive

What are the latest mortgage interest rates in Germany and how do they evolve?

Find the latest and historical mortgage rates in Germany and learn how they relate to bond yields. We help you choose the best fixed rate period with advice tailored to your finances.

First Time Buyers

Helping your kids buy a home in Germany: When is this a good idea?

Young adults often struggle with too little equity when trying to buy property in Germany. Learn what options parents have to help.

Deep Dive

How a "Bausparvertrag" can help you avoid high interest rates for refinancing

Worried about the future interest rate on your mortgage? We have some solutions that can minimize your interest rate risk!

Customer Stories

The story of Ed & Lotte: Falling in love and buying an apartment in Berlin

Discover the love story of Ed, Lotte and their apartment and how Hypofriend helped them to buy their dream apartment in Berlin.

Customer Stories

Jana & Ale: Building a house in the countryside in Germany

Find out how Hypofriend helped Jana & Ale realize their dream of home ownership and build their own house in a village in Germany.

Customer Stories

The home buying story of Ariella and Adrian

When Ariella and Adrian finally found their dream home in Berlin, they were happy to be able to rely on their hypofriend advisor with the mortgage.

Hypofriend News

Uncertain Times: How Does it Affect my Home Buying Journey?

These are confusing and disturbing times. Please allow us to give you some perspective on the situation and the impact on the economy in general and mortgage rates in particular.

First Time Buyers

What’s the role of SCHUFA in getting a mortgage?

SCHUFA is Germany's largest credit agency and calculates credit scores that are used by banks when deciding on a mortgage.

First Time Buyers

Financing Certificate: Always one step ahead

With a financing certificate, you stand out from other prospective buyers. It serves as a confirmation of your financing potential to brokers.

Hypofriend News

The consequences of the Berlin rent cap ruling

The Berlin rent cap was declared inadmissible. We explain what this means for tenants and property owners.

First Time Buyers

KFW loans and conditions for 2024 and how it applies to your German mortgage

Planning to buy, build, or renovate a home in Germany? Check KfW loans and subsidies—your mortgage advisor can assess their benefits for you.

First Time Buyers

How couples can split the mortgage cost and value of the house

When couples buy a house together, the question often arises how to split the mortgage costs. What you should consider.

First Time Buyers

Commitment fee: How much to pay if your new build isn’t ready?

With a new build project, you have a tough schedule. That's necessary if you want to avoid paying commitment fees to your bank.

First Time Buyers

Buying a new build in Germany

Nothing can go wrong with a new build? It's not quite that simple. There are pitfalls waiting here, too. We explain what you need to consider.

Deep Dive

German house prices under Covid: Cause for alarm or chance?

Covid-19 causes an unknown shock to Germany's economy. Should we worry about home prices falling, or should we use it as a buying chance?

First Time Buyers

4 mistakes to avoid with your mortgage in Germany

Several studies show: People who buy real estate get wealthier. That's why it's important to avoid some mistakes in your mortgage.

Deep Dive

Why being a landlord is so attractive in Germany?

Germany has an unusually generous system for buy-to-let properties, and the returns are high. Read here what you need to know.

First Time Buyers

Sondertilgung: A popular but overrated option

Who doesn't like the idea of being able to repay extra on their mortgage? That is what “Sondertilgung” is. But is it a good idea?

Deep Dive

Mortgage for Blue Card holders: Should you buy now or later?

We explain what options you have as a Blue Card holder to expedite your home purchase, and when it makes sense to wait.

Customer Stories

Oliver and Rhianon's experience buying a property in Germany

Rhianon and Oliver started looking for an apartment to buy and tried to get a mortgage with their house bank. Then they found Hypofriend.

Hypofriend News

Affordable housing requires more new buildings

Fewer building permits were issued in Berlin in 2020 than in the previous year. This will further exacerbate the situation for purchase prices.

Customer Stories

Meet Aoife and Giacomo, two happy new homeowners

Aoife and Giacomo approached Hypofriend to buy their first home in Berlin. In this interview they share some of their experiences.

Customer Stories

Stephen and Alice bought their first home in Berlin

After moving from New York to Berlin, they didn't know how long they would stay. Then they felt in love with the city.

Hypofriend News

Home affordability: Buyers can now afford up to 24% more house

A new law regulates the payment of the broker's commission in a new way. This affects how much house buyers can afford.

Customer Stories

Buying a home with Hypofriend by Kinga

This article is about one of Hypofriend's happy new homeowner and her experience buying a property in Germany.