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.

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  • 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
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    Deep Dive

    Deep Dive

    • Buying-to-let in Germany
    • Are properties overpriced in Germany?
    • Should I refinance my mortgage now?
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    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
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  • 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
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      View all FAQs

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Mortgage Calculators

Simplify your German homebuying journey with our expert-designed calculators.

German mortgage calculator

Use the calculator to understand your mortgage repayment options.

Interest rate calculator

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

Pension gap calculator

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

Calculator Articles

Deep dive into different topics and calculate how each applies to your personal situation in Germany.

Buying ETFs or a Home: What Makes More Sense in Germany?

Buying ETFs or a Home: What Makes More Sense in Germany?

This calculator helps you to determine if it makes more sense to invest in a home or buy ETFs – or how to use ETFs when you want to buy a home.

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Property Purchasing Cost Calculator Germany

Property Purchasing Cost Calculator Germany

Purchasing costs for properties in Germany vary from state to state. With our calculator, you can easily find out what costs you can expect for your dream home.

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How Much House Can I Afford? Mortgage Calculator Germany

How Much House Can I Afford? Mortgage Calculator Germany

Are you thinking about buying a property in Germany? We explain how to calculate your budget and what you need to consider.

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Notary Fees Calculator Germany

Notary Fees Calculator Germany

Use our calculator to find out how much the notary and land registry costs are for your property purchase and how the costs break down.

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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.
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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.
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