[{"data":1,"prerenderedAt":399},["ShallowReactive",2],{"blog-article-mortgage-broker-consultation-en":3},{"article":4,"recommendedArticles":374},{"slug":5,"title":6,"listPicture":7,"listPictureMobile":8,"listPictureWebp":9,"listPictureMobileWebp":9,"preview":10,"category":11,"author":12,"authorImage":13,"authorImageWebp":14,"authorDescription":15,"authorSlug":16,"content":17,"contentRaw":18,"order":350,"publishedAt":351,"createdAt":351,"updatedAt":352,"seoTitle":353,"seoDescription":354,"seoKeywords":355,"seoImage":356,"mainPicture":357,"mainPictureMobile":358,"mainPictureWebp":359,"mainPictureMobileWebp":360,"language":361,"subTitle":355,"actionLabel":355,"actionType":355,"actionText":355,"id":355,"introduction":362,"tableOfContentArray":363},"mortgage-broker-consultation","5 reasons why you should consult a mortgage advisor","https:\u002F\u002Fa.hypofriend.de\u002Fckeditor\u002Fpictures\u002Fdata\u002F000\u002F000\u002F145\u002Fcontent\u002F6b.jpg","https:\u002F\u002Fa.hypofriend.de\u002Fckeditor\u002Fpictures\u002Fdata\u002F000\u002F000\u002F181\u002Fcontent\u002F6b-mobile.jpg","https:\u002F\u002Fa.hypofriend.de\u002Fckeditor\u002Fpictures\u002Fdata\u002F000\u002F000\u002F183\u002Fcontent\u002F6b.webp","Find out how a mortgage advisor can save you thousands of euros and help you decide what the most optimal mortgage is for you.","mortgage-fundamentals","Nick Mulder","https:\u002F\u002Fa.hypofriend.de\u002Fhypofriends\u002Fnick-mulder-1740563859.png","https:\u002F\u002Fa.hypofriend.de\u002Fhypofriends\u002Fnick-mulder.webp","Nick is Co-founder and CEO of Hypofriend","nick","  \u003Cdiv id=\"table-of-contents\">\n    \u003Cdiv class=\"headline\">\n      Table Of Contents\n    \u003C\u002Fdiv>\n    \u003Cul>\n      \u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-hypofriend-is-integrated-with-more-than-750-german-banks\">\n    Hypofriend is integrated with more than 750 German banks\n  \u003C\u002Fa>\n\u003C\u002Fli>\u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-independent-mortgage-experts-are-licensed-experts\">\n    Independent mortgage experts are licensed experts\n  \u003C\u002Fa>\n\u003C\u002Fli>\u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-mortgage-advisors-know-the-system-and-can-help-you-avoid-making-expensive-mistakes\">\n    Mortgage advisors know the system and can help you avoid making expensive mistakes\n  \u003C\u002Fa>\n\u003C\u002Fli>\u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-mortgage-advisors-will-save-you-time-and-money\">\n    Mortgage advisors will save you time and money\n  \u003C\u002Fa>\n\u003C\u002Fli>\u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-mortgage-advisors-are-free-of-cost\">\n    Mortgage advisors are free of cost\n  \u003C\u002Fa>\n\u003C\u002Fli>\n    \u003C\u002Ful>\n  \u003C\u002Fdiv>\n\u003Cp>But don't worry, you're not on your own in your search for the best mortgage. Here are 5 reasons why it pays to work with \u003Cb>Hypofriend, a professional mortgage advisor\u003C\u002Fb>.\u003C\u002Fp>\n\u003Cdiv class=\"video-container\">\n  \u003Cscript type=\"application\u002Fld+json\">\n  {\n     \"@context\": \"https:\u002F\u002Fschema.org\",\n     \"@type\": \"VideoObject\",\n     \"name\": \"What is a mortgage broker | 3 reasons to use one in Germany 🇩🇪\",\n     \"description\": \"Are you planning to buy a house in Germany? Then you might want to consider using a mortgage broker! In this video, we will explore what a mortgage broker is, provide you with 3 reasons why you should use one when getting a mortgage in Germany, and tell you what is difference between using a mortgage broker and a bank. \",\n     \"thumbnailUrl\": \"https:\u002F\u002Fi.ytimg.com\u002Fvi_webp\u002FhH2bGg0XYqI\u002Fsddefault.webp\",\n     \"uploadDate\": \"2023-03-28T09:00:00+02:00\",\n     \"contentUrl\": \"https:\u002F\u002Fwww.youtube.com\u002Fembed\u002FhH2bGg0XYqI\",\n     \"embedUrl\": \"https:\u002F\u002Fwww.youtube.com\u002Fembed\u002FhH2bGg0XYqI\",\n     \"publisher\": {\n        \"@type\": \"Organization\",\n        \"name\": \"Hypofriend\",\n        \"logo\": {\n           \"@type\": \"ImageObject\",\n           \"url\": \"https:\u002F\u002Fa.hypofriend.de\u002Fhypofriend-logo.svg\"\n        }\n     }\n  }\n  \u003C\u002Fscript>\n\n  \u003Ciframe width=\"100%\" height=\"100%\" src=\"https:\u002F\u002Fwww.youtube.com\u002Fembed\u002FhH2bGg0XYqI\" loading=\"lazy\" fetchpriority=\"low\" title=\"Embedded video player\" frameborder=\"0\" referrerpolicy=\"strict-origin-when-cross-origin\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen>\n  \u003C\u002Fiframe>\n\u003C\u002Fdiv>\n\u003Ch2 id=\"h-hypofriend-is-integrated-with-more-than-750-german-banks\">Hypofriend is integrated with more than 750 German banks\u003C\u002Fh2>\n\u003Cp>As opposed to your traditional house bank, we are directly integrated with the mortgage products of more than 750 banks. Not only does this give you access to the lowest interest rates, but also access to a greater range of products than a single bank can offer. \u003C\u002Fp>\n\u003Cp>Here at Hypofriend, we have equipped our advisors to search rapidly through thousands of offers to find you the product with the lowest interest rate – but only after we have worked with you and used our advanced algorithms to find the right mortgage product for you. It’s important we find you the best rate on the right mortgage product and not the cheapest rate on the wrong product. \u003C\u002Fp>\n\u003Cp>We're a 5-star mortgage broker. Read our \u003Ca href=\"https:\u002F\u002Fde.trustpilot.com\u002Freview\u002Fhypofriend.de?languages=all\">\u003Cu>reviews on Trustpilot\u003C\u002Fu>\u003C\u002Fa> or \u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fappointment\">\u003Cu>talk to an expert\u003C\u002Fu>\u003C\u002Fa>.\u003C\u002Fp>\n\u003Ch2 id=\"h-independent-mortgage-experts-are-licensed-experts\">Independent mortgage experts are licensed experts\u003C\u002Fh2>\n\u003Cp>Mortgage advisors are licensed experts. They need to pass exams and get accredited by the IHK (“Industrie und Handelskammer”). But at Hypofriend, we want to be more than that. \u003C\u002Fp>\n\u003Cp>Besides the typical qualifications, we've built advanced models and proprietary algorithms based, among others, on some of the best work in the world on debt at the IMF and World Bank, which, in the background, does all the hard work. We focus our efforts on finding you the right mortgage product out of the thousands of combinations and then finding the lender that offers this product at the lowest price.\u003C\u002Fp>\n\u003Cp>Our friendly algorithm-powered advisors are trained to work with these models. In a free consultation, they will explain the core decisions on mortgages and assist you in matching you with the best lender. \u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fappointment\">\u003Cu>Make an appointment with a mortgage expert\u003C\u002Fu>\u003C\u002Fa>.\u003C\u002Fp>\n\u003Ch2 id=\"h-mortgage-advisors-know-the-system-and-can-help-you-avoid-making-expensive-mistakes\">Mortgage advisors know the system and can help you avoid making expensive mistakes\u003C\u002Fh2>\n\u003Cp>An experienced mortgage advisor knows the complex German system. Indeed, the German mortgage system is filled with complexities and quirks. And frankly, the German nature is not to make things easy.\u003C\u002Fp>\n\u003Cp>Here at Hypofriend, we have had to learn the German mortgage system, too. We have a unique lens, though, as we know finance and many international mortgage markets besides just the German mortgage system. We combine that international perspective and finance with knowledge from some of the best and brightest mortgage advisors plucked from the German system. \u003C\u002Fp>\n\u003Cp>We use this knowledge to help you see the trees for the forest and identify the best solutions for you. Furthermore, we aim to explain German mortgages as simply as we can and have searched for and collected a number of our tips for you. See, e.g., our \u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fmortgage-faqs\u002Fhandy-definitions\">\u003Cu>Glossary\u003C\u002Fu>\u003C\u002Fa> and \u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fmortgage-faqs\">\u003Cu>FAQs\u003C\u002Fu>\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch2 id=\"h-mortgage-advisors-will-save-you-time-and-money\">Mortgage advisors will save you time and money\u003C\u002Fh2>\n\u003Cp>Finding the right property is already hard enough. The most important factor in which an advisory engine combined with a knowledgeable mortgage advisor will potentially save you thousands down the road is finding the right mortgage product that is tailored to your personal situation. This does not necessarily mean choosing the mortgage with the \u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fmortgage-rates-germany\">\u003Cu>lowest interest rate\u003C\u002Fu>\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cp>\u003Cb>First-time buyers are too often fixated on the initial interest rate and misled by the lowest rates\u003C\u002Fb>. \u003C\u002Fp>\n\u003Cp>\u003Cb>Example\u003C\u002Fb>: A mere 10 basis points or 0.1% on a 200,000 euro loan will result in a difference of approximately 200 euros to 300 euros per year. \u003C\u002Fp>\n\u003Cp>At the same time, the most commonly overlooked decision that many first-time buyers make is locking in or fixing interest rates for a period that is either too short or too long. Being left with a pile of debt at the end of the fixed period with interest rates that have doubled since the start could result in a financial catastrophe. Similarly, having a very long fixed period may result in high costs, inflexibility, or exorbitant cancellation fees. \u003C\u002Fp>\n\u003Cp>Getting professional advice from a mortgage advisor equipped with the right tools is critical to deciding which fixed interest period is optimal for you.\u003C\u002Fp>\n\u003Cp>Besides the huge money-saving benefits,\u003Cb> a mortgage advisor will also streamline the entire mortgage application process for you from start to finish\u003C\u002Fb>. Here at Hypofriend, our mortgage advisors will be able to dramatically speed up the bureaucratic process of document collection and quickly assemble what is necessary for your mortgage application. All communication with the banks is taken care of on your behalf.\u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fgerman-mortgage-calculator\">Find out what your mortgage could look like with our German mortgage calculator.\u003C\u002Fa>\u003C\u002Fp>\n\u003Ch2 id=\"h-mortgage-advisors-are-free-of-cost\">Mortgage advisors are free of cost\u003C\u002Fh2>\n\u003Cp>Mortgage advisors do not charge the customers. Any mortgage advisor who tries to charge you for the number of consultations you go through is not credible and should be avoided. \u003C\u002Fp>\n\u003Cp>For the sake of full transparency, you should understand that a mortgage advisor gets paid directly by the financing bank that approves your mortgage. At Hypofriend, we are committed to transparency after our founder was taken advantage of and misled by a non-transparent broker. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fappointment\">\u003Cu>Schedule a call with one of our experts\u003C\u002Fu>\u003C\u002Fa>.\u003C\u002Fp>",{"data":19,"content":20,"nodeType":349},{},[21,40,57,65,72,79,113,120,127,134,152,159,166,173,213,220,239,251,263,270,277,293,311,318,325,332],{"data":22,"content":23,"nodeType":39},{},[24,29,35],{"data":25,"marks":26,"value":27,"nodeType":28},{},[],"But don't worry, you're not on your own in your search for the best mortgage. Here are 5 reasons why it pays to work with ","text",{"data":30,"marks":31,"value":34,"nodeType":28},{},[32],{"type":33},"bold","Hypofriend, a professional mortgage advisor",{"data":36,"marks":37,"value":38,"nodeType":28},{},[],".","paragraph",{"data":41,"content":47,"nodeType":48,"entry":49},{"target":42},{"sys":43},{"id":44,"type":45,"linkType":46},"MymfT0uFLLJ6NbTyIgA8k","Link","Entry",[],"embedded-entry-block",{"videoUrl":50,"title":51,"decription":52,"thumbnail":53,"uploadDate":54,"contentUrl":50,"embedUrl":55,"type":46,"contentType":56},"https:\u002F\u002Fwww.youtube.com\u002Fembed\u002FhH2bGg0XYqI","What is a mortgage broker | 3 reasons to use one in Germany 🇩🇪","Are you planning to buy a house in Germany? Then you might want to consider using a mortgage broker! In this video, we will explore what a mortgage broker is, provide you with 3 reasons why you should use one when getting a mortgage in Germany, and tell you what is difference between using a mortgage broker and a bank. ","https:\u002F\u002Fi.ytimg.com\u002Fvi_webp\u002FhH2bGg0XYqI\u002Fsddefault.webp","2023-03-28","https:\u002F\u002Fhypofriend.de\u002Fen\u002Fmortgage-broker-consultation.afb","video",{"data":58,"content":59,"nodeType":64},{},[60],{"data":61,"marks":62,"value":63,"nodeType":28},{},[],"Hypofriend is integrated with more than 750 German banks","heading-2",{"data":66,"content":67,"nodeType":39},{},[68],{"data":69,"marks":70,"value":71,"nodeType":28},{},[],"As opposed to your traditional house bank, we are directly integrated with the mortgage products of more than 750 banks. Not only does this give you access to the lowest interest rates, but also access to a greater range of products than a single bank can offer. ",{"data":73,"content":74,"nodeType":39},{},[75],{"data":76,"marks":77,"value":78,"nodeType":28},{},[],"Here at Hypofriend, we have equipped our advisors to search rapidly through thousands of offers to find you the product with the lowest interest rate – but only after we have worked with you and used our advanced algorithms to find the right mortgage product for you. It’s important we find you the best rate on the right mortgage product and not the cheapest rate on the wrong product. ",{"data":80,"content":81,"nodeType":39},{},[82,86,97,101,110],{"data":83,"marks":84,"value":85,"nodeType":28},{},[],"We're a 5-star mortgage broker. Read our ",{"data":87,"content":89,"nodeType":96},{"uri":88},"https:\u002F\u002Fde.trustpilot.com\u002Freview\u002Fhypofriend.de?languages=all",[90],{"data":91,"marks":92,"value":95,"nodeType":28},{},[93],{"type":94},"underline","reviews on Trustpilot","hyperlink",{"data":98,"marks":99,"value":100,"nodeType":28},{},[]," or ",{"data":102,"content":104,"nodeType":96},{"uri":103},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fappointment",[105],{"data":106,"marks":107,"value":109,"nodeType":28},{},[108],{"type":94},"talk to an expert",{"data":111,"marks":112,"value":38,"nodeType":28},{},[],{"data":114,"content":115,"nodeType":64},{},[116],{"data":117,"marks":118,"value":119,"nodeType":28},{},[],"Independent mortgage experts are licensed experts",{"data":121,"content":122,"nodeType":39},{},[123],{"data":124,"marks":125,"value":126,"nodeType":28},{},[],"Mortgage advisors are licensed experts. They need to pass exams and get accredited by the IHK (“Industrie und Handelskammer”). But at Hypofriend, we want to be more than that. ",{"data":128,"content":129,"nodeType":39},{},[130],{"data":131,"marks":132,"value":133,"nodeType":28},{},[],"Besides the typical qualifications, we've built advanced models and proprietary algorithms based, among others, on some of the best work in the world on debt at the IMF and World Bank, which, in the background, does all the hard work. We focus our efforts on finding you the right mortgage product out of the thousands of combinations and then finding the lender that offers this product at the lowest price.",{"data":135,"content":136,"nodeType":39},{},[137,141,149],{"data":138,"marks":139,"value":140,"nodeType":28},{},[],"Our friendly algorithm-powered advisors are trained to work with these models. In a free consultation, they will explain the core decisions on mortgages and assist you in matching you with the best lender. ",{"data":142,"content":143,"nodeType":96},{"uri":103},[144],{"data":145,"marks":146,"value":148,"nodeType":28},{},[147],{"type":94},"Make an appointment with a mortgage expert",{"data":150,"marks":151,"value":38,"nodeType":28},{},[],{"data":153,"content":154,"nodeType":64},{},[155],{"data":156,"marks":157,"value":158,"nodeType":28},{},[],"Mortgage advisors know the system and can help you avoid making expensive mistakes",{"data":160,"content":161,"nodeType":39},{},[162],{"data":163,"marks":164,"value":165,"nodeType":28},{},[],"An experienced mortgage advisor knows the complex German system. Indeed, the German mortgage system is filled with complexities and quirks. And frankly, the German nature is not to make things easy.",{"data":167,"content":168,"nodeType":39},{},[169],{"data":170,"marks":171,"value":172,"nodeType":28},{},[],"Here at Hypofriend, we have had to learn the German mortgage system, too. We have a unique lens, though, as we know finance and many international mortgage markets besides just the German mortgage system. We combine that international perspective and finance with knowledge from some of the best and brightest mortgage advisors plucked from the German system. ",{"data":174,"content":175,"nodeType":39},{},[176,180,184,193,197,206,209],{"data":177,"marks":178,"value":179,"nodeType":28},{},[],"We use this knowledge to help you see the trees for the forest and identify the best solutions for you. Furthermore, we aim to explain German mortgages as simply as we can and have searched for and collected a number of our tips for you. ",{"data":181,"marks":182,"value":183,"nodeType":28},{},[],"See, e.g., our ",{"data":185,"content":187,"nodeType":96},{"uri":186},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fmortgage-faqs\u002Fhandy-definitions",[188],{"data":189,"marks":190,"value":192,"nodeType":28},{},[191],{"type":94},"Glossary",{"data":194,"marks":195,"value":196,"nodeType":28},{},[]," and ",{"data":198,"content":200,"nodeType":96},{"uri":199},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fmortgage-faqs",[201],{"data":202,"marks":203,"value":205,"nodeType":28},{},[204],{"type":94},"FAQs",{"data":207,"marks":208,"value":38,"nodeType":28},{},[],{"data":210,"marks":211,"value":212,"nodeType":28},{},[]," ",{"data":214,"content":215,"nodeType":64},{},[216],{"data":217,"marks":218,"value":219,"nodeType":28},{},[],"Mortgage advisors will save you time and money",{"data":221,"content":222,"nodeType":39},{},[223,227,236],{"data":224,"marks":225,"value":226,"nodeType":28},{},[],"Finding the right property is already hard enough. The most important factor in which an advisory engine combined with a knowledgeable mortgage advisor will potentially save you thousands down the road is finding the right mortgage product that is tailored to your personal situation. This does not necessarily mean choosing the mortgage with the ",{"data":228,"content":230,"nodeType":96},{"uri":229},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fmortgage-rates-germany",[231],{"data":232,"marks":233,"value":235,"nodeType":28},{},[234],{"type":94},"lowest interest rate",{"data":237,"marks":238,"value":38,"nodeType":28},{},[],{"data":240,"content":241,"nodeType":39},{},[242,247],{"data":243,"marks":244,"value":246,"nodeType":28},{},[245],{"type":33},"First-time buyers are too often fixated on the initial interest rate and misled by the lowest rates",{"data":248,"marks":249,"value":250,"nodeType":28},{},[],". ",{"data":252,"content":253,"nodeType":39},{},[254,259],{"data":255,"marks":256,"value":258,"nodeType":28},{},[257],{"type":33},"Example",{"data":260,"marks":261,"value":262,"nodeType":28},{},[],": A mere 10 basis points or 0.1% on a 200,000 euro loan will result in a difference of approximately 200 euros to 300 euros per year. ",{"data":264,"content":265,"nodeType":39},{},[266],{"data":267,"marks":268,"value":269,"nodeType":28},{},[],"At the same time, the most commonly overlooked decision that many first-time buyers make is locking in or fixing interest rates for a period that is either too short or too long. Being left with a pile of debt at the end of the fixed period with interest rates that have doubled since the start could result in a financial catastrophe. Similarly, having a very long fixed period may result in high costs, inflexibility, or exorbitant cancellation fees. ",{"data":271,"content":272,"nodeType":39},{},[273],{"data":274,"marks":275,"value":276,"nodeType":28},{},[],"Getting professional advice from a mortgage advisor equipped with the right tools is critical to deciding which fixed interest period is optimal for you.",{"data":278,"content":279,"nodeType":39},{},[280,284,289],{"data":281,"marks":282,"value":283,"nodeType":28},{},[],"Besides the huge money-saving benefits,",{"data":285,"marks":286,"value":288,"nodeType":28},{},[287],{"type":33}," a mortgage advisor will also streamline the entire mortgage application process for you from start to finish",{"data":290,"marks":291,"value":292,"nodeType":28},{},[],". Here at Hypofriend, our mortgage advisors will be able to dramatically speed up the bureaucratic process of document collection and quickly assemble what is necessary for your mortgage application. All communication with the banks is taken care of on your behalf.",{"data":294,"content":295,"nodeType":39},{},[296,300,308],{"data":297,"marks":298,"value":299,"nodeType":28},{},[],"",{"data":301,"content":303,"nodeType":96},{"uri":302},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fgerman-mortgage-calculator",[304],{"data":305,"marks":306,"value":307,"nodeType":28},{},[],"Find out what your mortgage could look like with our German mortgage calculator.",{"data":309,"marks":310,"value":299,"nodeType":28},{},[],{"data":312,"content":313,"nodeType":64},{},[314],{"data":315,"marks":316,"value":317,"nodeType":28},{},[],"Mortgage advisors are free of cost",{"data":319,"content":320,"nodeType":39},{},[321],{"data":322,"marks":323,"value":324,"nodeType":28},{},[],"Mortgage advisors do not charge the customers. Any mortgage advisor who tries to charge you for the number of consultations you go through is not credible and should be avoided. ",{"data":326,"content":327,"nodeType":39},{},[328],{"data":329,"marks":330,"value":331,"nodeType":28},{},[],"For the sake of full transparency, you should understand that a mortgage advisor gets paid directly by the financing bank that approves your mortgage. At Hypofriend, we are committed to transparency after our founder was taken advantage of and misled by a non-transparent broker. ",{"data":333,"content":334,"nodeType":39},{},[335,338,346],{"data":336,"marks":337,"value":299,"nodeType":28},{},[],{"data":339,"content":340,"nodeType":96},{"uri":103},[341],{"data":342,"marks":343,"value":345,"nodeType":28},{},[344],{"type":94},"Schedule a call with one of our experts",{"data":347,"marks":348,"value":38,"nodeType":28},{},[],"document",12,"Mon, 28 Oct 2019 16:41:20 +0000","Mon, 19 May 2025 13:37:16 +0000","5 Reasons to Consult a Mortgage Advisor in Germany","Discover how Hypofriend’s licensed advisors and advanced algorithms save you time, money, and find the best mortgage tailored to your needs.",null,"https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5AQ9PjvwzJ301jNRs14HVL\u002Fdb838f54055bafe74fdf7303158f1d60\u002FSEO-mortgage-consult-germany-800x534.jpg","https:\u002F\u002Fa.hypofriend.de\u002Fn\u002Fbig-consult-mortgage-advisor@2x.jpg","https:\u002F\u002Fa.hypofriend.de\u002Fn\u002Fconsult-mortgage-advisor@2x.jpg","https:\u002F\u002Fa.hypofriend.de\u002Fn\u002Fbig-consult-mortgage-advisor@2x.webp","https:\u002F\u002Fa.hypofriend.de\u002Fn\u002Fconsult-mortgage-advisor@2x.webp","en","If you want to buy a house or an apartment in Germany, you usually need a mortgage. You can either go directly to your bank or follow the recommendation of the real estate broker. However, these recommendations are usually rather one-sided and not tailored to your needs. ",[364,366,368,370,372],{"key":365,"value":63},"#h-hypofriend-is-integrated-with-more-than-750-german-banks",{"key":367,"value":119},"#h-independent-mortgage-experts-are-licensed-experts",{"key":369,"value":158},"#h-mortgage-advisors-know-the-system-and-can-help-you-avoid-making-expensive-mistakes",{"key":371,"value":219},"#h-mortgage-advisors-will-save-you-time-and-money",{"key":373,"value":317},"#h-mortgage-advisors-are-free-of-cost",[375,385,393],{"slug":376,"title":377,"listPicture":378,"listPictureMobile":379,"listPictureWebp":380,"listPictureMobileWebp":381,"preview":382,"category":11,"categoryTitle":383,"categoryCode":384},"current-interest-rates-germany-2026","What Are the Current Mortgage Interest Rates in Germany and How Do They Evolve? ","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3e8IaEw23YZk7idFRXhun9\u002Fcd0500f42f6c93c574782835d8149a58\u002Flist_image_blog___800_x_511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3Q0MFmLnVKgaGVS57d9qW5\u002F0622aa644497735c07f4a715220013e5\u002Fmobile_list_image_blog___380_x_243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1iTKKUZXycg5MCfXdX8By0\u002Fe2f01a1212a42829b251db3e8024cafb\u002Flist-image-blog-_-800-x-511__1_.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F2ONJpyTNlNqYkPSQ7VvnIO\u002Fc94eab2aa29c38a41027290e53359ffe\u002Fmobile-list-image-blog-_-380-x-243__1_.webp","What are mortgage rates in Germany right now? See our real-time chart, compare 5 to 20-year fixed rates and get a free personalised recommendation in minutes.","Mortgage Fundamentals","fb",{"slug":386,"title":387,"listPicture":388,"listPictureMobile":389,"listPictureWebp":390,"listPictureMobileWebp":391,"preview":392,"category":11,"categoryTitle":383,"categoryCode":384},"financing-certificate-one-step-ahead-buying-property","Financing Certificate: Always one step ahead","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4ctwKxlymmUNRiOKAgFzAf\u002F61c1407e17cc12def8bdd38874c558a8\u002Ffinancing-certificate-800x511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6dQViXzjm6wBNgWh1FuOCv\u002Ff160960e6a1947e55c1d88904c34172e\u002Ffinancing-certificate-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F7rAIx65nr3eACXTXOnUzRr\u002F6dfd4a8a10d3c688cba95769c66b5b1b\u002Ffinancing-certificate-800x511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5NoDrgyhvrata2KBMOHJse\u002F07d8f520a281e417e04c5c05ab028918\u002Ffinancing-certificate-380x243.webp","With a financing certificate, you stand out from other prospective buyers. It serves as a confirmation of your financing potential to brokers.",{"slug":394,"title":395,"listPicture":396,"listPictureMobile":396,"listPictureWebp":397,"listPictureMobileWebp":397,"preview":398,"category":11,"categoryTitle":383,"categoryCode":384},"refinancing-your-german-mortgage","How to refinance your German mortgage?","https:\u002F\u002Fa.hypofriend.de\u002Fn\u002Frefinance-in-germany-list-image.jpg","https:\u002F\u002Fa.hypofriend.de\u002Fn\u002Frefinance-in-germany-list-image.webp","Here you will find everything you need to know about a forward mortgage and how to refinance your mortgage in Germany.",1784815624711]