We're the leading Mortgage Broker in Germany

Yes! Hypofriend is an independent German mortgage broker certified with the §34i GewO supervised by BaFin. We work with over 750 partner banks to find customers the optimal mortgage. Our headquarters is in Berlin, Germany.

At Hypofriend, we have made it our mission to find the optimal mortgage for our customers. We are not salesmen. We are economists, engineers, and mortgage experts who together have built Germany’s most objective and advanced recommendation engine for mortgage advice.

The most crucial difference between us and other mortgage brokers in Germany, you will notice, is that we ask you many questions rather than asking you the loan size and the mortgage product that you want. Of course, that is the outcome of the process, and if you have already set your eyes on a specific property, we will ask you those questions, too.

But to give you the best financial advice, we need to understand the bigger picture: how long you plan to stay in the house, what your income outlook is, etc. We combine it with advanced interest forecasting techniques and financial insights to provide suggestions regarding the choices you can make.

Our consultations are unique because they take our clients to new levels, requiring fresh perspectives. But eventually, it helps you plan for a much sounder and safer financial future. Book your free consultation.

Yes, we do! Due to Hypofriend's unique technology platform, we work with more than 750 lenders across Germany and have the largest selection due to the integration of multiple platforms where lenders offer their products. You can find the German mortgage lenders we work with here. This list covers all major German banks, such as Deutsche Bank and Commerzbank, and small regional lenders.

Yes! Our service and advice are completely free from start to finish! Like every other German mortgage broker, lenders pay us to process your mortgage application. This fee is a fraction of a percent of the value of your mortgage. Book your free consultation.

Yes! Hypofriend offers mortgage advice nationwide. We will consult you online using our unique video consultation software. We will walk you through advanced financial insights on your individual mortgage situation and help you to understand your most critical financial decisions easily.

To find the best mortgage for you, we compare offers from more than 750 lenders and their conditions across Germany.

To find you the optimal mortgage, we will use our unique Hypofriend Recommendation Engine (Optimizer). We will begin by asking you several key questions, which will help us determine which mortgage products could work best for you.

To feed the recommendation engine, we regularly review the mortgage products and conditions, scouring over 750 lenders and their conditions daily. We then model and estimate their hidden conditions. This is how we know exactly what is out there and can feed these conditions into the recommendation engine.

The recommendation engine was built based on experience gained by our co-founder Chris (Dr. Chris Mulder, if you will) when he worked at the IMF and World Bank to develop models used to guide countries to manage their debt. Our engine combines modern finance theory with practical insights from our team of (mainly German) mortgage brokers.

Combining this lender know-how with provided information (like your salary) and projected information (like your salary outlook), we evaluate a range of scenarios and outcomes to see how you will fare under different conditions. We discuss the outcomes and logic of the recommendations with you. Your grasp of the decision is essential. You are different from the average customer, sometimes a little, sometimes a lot.

Together with our team of experienced German mortgage brokers, you will understand the nuances of your situation and fine-tune your mortgage decision. Book your free consultation.