Everything you need to know about German Mortgages

Who is Hypofriend?
Is the service free?
How is Hypofriend different from other mortgage brokers?
Who has access to my data?
How is my data secured?
Can I delete my data?
How can I refer Hypofriend to a friend?

Inside Hypofriend's Optimizer
How will Hypofriend find me the right mortgage product?
How can Hypofriend cover all mortgage lenders in Germany?

Should I buy or continue renting?
Is now a good time to buy property for own use?
What are the real estate agent fees in Germany?
How much can I afford or borrow?
How can I increase what I can borrow?
Can I get a credit loan to increase my affordability?
Can I get a mortgage in Germany without equity?
What is Baukindergeld and how can it help me?
I'm self-employed, am I eligible for a mortgage and how much?
Should I borrow the maximum amount or should I save some equity?
What’s the difference between buying for own use and buying to let?

How do I know if a property is over priced?
Can I use a Bausparvertrag as a down payment?
Should I get pre-approved for a mortgage?
Can I get a mortgage for property outside Germany?
What happens after my mortgage request gets approved?
How does the KfW subsidy work with my mortgage?
Can I include modernisation or renovation costs into the mortgage?

How can I get pre-qualified?
How is the monthly rate calculated?
How quickly should I pay off my mortgage?
What is Loan-to-value and why does my down payment matter?
How to choose the right fixed interest period?
Can I use extra repayments to repay my mortgage quicker?
Are my mortgage payments tax deductible?
What more should I consider before closing my mortgage?
What should I know if I expect to sell my house within 10 years?
What is my SCHUFA score?
How can I improve my SCHUFA score?
How does my SCHUFA score affect my mortgage?

Which mortgage documents do I need?
How quickly can I get approved?
Can I apply to multiple banks at the same time?
When do my mortgage payments start?
What happens if my new build project is delayed?
Can I apply alone without my partner?

Additional Questions?

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+49 322 1112 1577

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Mon - Fri: 9 AM - 7 PM

Hypofriend GmbH is an independent mortgage broker certified with the §34i GewO supervised by BaFin. Hypofriend works together with over 750 partner banks to find customers the optimal mortgage. Our headquarters is in Berlin, Germany.

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Mortgages in Germany Explained

About Hypofriend

What is special about Hypofriend's advice?

Exploring my options

Exploring my options: advanced questions

Mortgage fundamentals

Applying for a mortgage

Handy Definitions

Additional Questions?