Hypofriend
  • Our Service
    Find your dream property

    Find your dream property

    Search across Germany's property platforms to find the perfect property for you.

    Finance your property

    Finance your property

    Our team of experts will find you the optimal mortgage in Germany online.

    Refinance your home

    Refinance your home

    Refinance your existing home in Germany to lower interest rates or cash out on your home equity.

    Insure your home and family

    Insure your home and family

    Cover your home and your family with the ideal insurances in Germany.

  • Calculators
    Rent or buy calculator

    Rent or buy calculator

    You can use the simple rent or buy calculator to evaluate if buying make sense for you.

    Interest rate calculator

    Interest rate calculator

    We compare the best mortgage rates in Germany for the top 750 lenders.

    German mortgage calculator

    German mortgage calculator

    Use the calculator to understand your mortgage repayment options.

    Retirement calculator

    Retirement calculator

    Calculate whether you'll have enough income in retirement to maintain your lifestyle in Germany.

      View all calculators

      View all calculators

    View all calculators
  • Blog
    First-time buyers

    First-time buyers

    • 4 Mistakes you should avoid
    • How to buy a property in Germany
    • KfW loans: How to save money on your German mortgage
    • View articles
    Deep Dive

    Deep Dive

    • Buying-to-let in Germany
    • Are properties overpriced in Germany?
    • Should I refinance my mortgage now?
    • View articles
    Customer Stories

    Customer Stories

    • Jana & Ale: Building a house in the peaceful countryside
    • Happy homeowners: Ariella & Adrian's buying story
    • Ed & Lotte: Falling in love and buying an apartment together
    • View articles
    Insurances

    Insurances

    • The 6 most important insurances in Germany for you & your home
    • Life insurance in Germany & how it works
    • Legal Insurance in Germany: Helping You Know Your Rights
    • View articles
      View all articles

      View all articles

    View all articles
  • FAQs
    About Hypofriend

    About Hypofriend

    • Is the service free?
    • How is Hypofriend different?
    • Who has access to my data?
    • View FAQs
    What is special about our advice?

    What is special about our advice?

    • Inside Hypofriend's Optimizer
    • How will you find me the right product?
    • Do you work with multiple banks?
    • View FAQs
    Exploring my options

    Exploring my options

    • Should I buy or continue renting?
    • Is now a good time to buy?
    • How much can I afford or borrow?
    • View FAQs
    Mortgage fundamentals

    Mortgage fundamentals

    • How can I get pre-qualified?
    • How is the monthly rate calculated?
    • Is having a mortgage a bad debt?
    • View FAQs
    Advanced questions

    Advanced questions

    • How to know if a property is overpriced?
    • How do I know if the property valuation is fair?
    • Should I get pre-approved for a mortgage?
    • View FAQs
    Applying for a mortgage

    Applying for a mortgage

    • Which mortgage documents do I need?
    • How quickly can I get approved?
    • Can I apply to multiple banks?
    • View FAQs
    Handy definitions

    Handy definitions

    • Annuitätendarlehen
    • Anschlussfinanzierung
    • Kaufnebenkosten
    • View FAQs
      View all FAQs

      View all FAQs

    View all FAQs
  • en /
  • de
Get started
Picture of Nick Mulder

Nick Mulder

CEO and Co-Founder

When trying to buy a property in Germany, Nick was utterly shocked by how overly complicated and non-transparent the real estate market and especially mortgages are in Germany. That’s why he founded Hypofriend, to spare other real estate buyers this experience.

Articles by Nick Mulder
8 Ways to Increase How Much House You Can Afford in Germany

First Time Buyers

8 Ways to Increase How Much House You Can Afford in Germany

Find out how you can increase your affordability in times of high property prices and skyrocketing interest rates, and thus afford your German dream home.

Read more
Should I buy a tenanted property for own-use in Germany? A trap or an opportunity?

Deep Dive

Should I buy a tenanted property for own-use in Germany? A trap or an opportunity?

Buying a tenanted property can have its advantages and disadvantages. The following article will walk you through some considerations on how you can and should approach buying a tenanted property in Germany.

Read more
These documents you need to apply for a German mortgage

First Time Buyers

These documents you need to apply for a German mortgage

Germans banks are very meticulous when it comes to paperwork. Here is a list of all the documents you need to apply for a mortgage.

Read more
How to refinance your German mortgage?

Deep Dive

How to refinance your German mortgage?

Here you will find everything you need to know about a forward mortgage and how to refinance your mortgage in Germany.

Read more
How to get a mortgage in Germany: key decisions and terms

First Time Buyers

How to get a mortgage in Germany: key decisions and terms

This section walks you through the key terminology you need to know when you intend to apply for a mortgage in Germany.

Read more
  • Hypofriend
  • /
  • About
  • /
  • Nick Mulder

Yes, its free, online and non-binding!

Get a free
online mortgage
recommendation in
minutes
Get a free online mortgage
recommendation in minutes
About Hypofriend Our Service About Us Pensionfriend FAQs Glossary Careers Refer Terms Privacy Imprint Press Topics
Resources Find Apartments Find Houses Mortgage Tips Mortgage Rates Mortgage Broker in Germany Financing Certificate Refinance your Mortgage Insurance Options Commercial Loans Calculators Rent or Buy Calculator Interest Rate Calculator German Mortgage Calculator Retirement Calculator All Calculators
Contact Schedule appointment Give us a call +49 (322) 1112 1577 Send us an email info@pensionfriend.de Office hoursMon - Fri: 9 AM - 7 PM

Hypofriend GmbH is an independent mortgage & pension insurance broker registered with the Berlin Chamber of Commerce (IHK). Hypofriend works together with different mortgage & pension insurance providers to optimize your financial goals. Our headquarters is in Berlin, Germany.
twitteryoutubetiktoklinkedininstagramfacebook
Pensionfriend is your flexible, online pension plan. Pay in as little or as much as you want and benefit from tax-free compounding, low-costs and outperformance.
twitteryoutubetiktoklinkedininstagramfacebook
© Hypofriend GmbH 2023

Certified by
Covered by
GDPR Standards
Current locale flag en