- Who is Hypofriend?
- Is the service free?
- How is Hypofriend different from other mortgage brokers?
- How does Hypofriend's Optimizer work?
- How will Hypofriend find me the right mortgage product?
- Which lenders does Hypofriend work with?
- Who has access to my data?
- How is my data secured?
- Can I delete my data?
- How can I refer Hypofriend to a friend?
- What is a mortgage?
- How do I know if I am eligible for a mortgage?
- Should I buy or continue renting?
- Is now a good time to buy property for own use?
- I'm self-employed, am I eligible for a mortgage?
- How much can I afford or borrow?
- How does my residence permit affect my eligibility?
- How can I increase what I can borrow?
- I don’t live in Germany, can I still get a mortgage?
- Should I borrow the maximum amount or should I save some equity?
- How is the monthly rate calculated?
- How quickly should I pay off my mortgage?
- How can I get pre-qualified?
- What is Loan-to-value and why does my down payment matter?
- Can I get a mortgage in Germany without equity?
- How are the purchase fees for a property determined?
- Why are some properties sold with commission and others are not?
- What’s the difference between buying for own use and buy to let?
- Are my mortgage payments tax deductible?
- Can I use extra repayments to repay my mortgage quicker?
- What is Baukindergeld and how can I use it for my mortgage?
- Can I get a credit loan to increase my affordability?
- What more should I consider before closing my mortgage?
- What should I know if I expect to sell my house within 10 years?
- What are the different Tax Categories of the German Wage Tax system?
- What is a SCHUFA score?
- How is the SCHUFA score calculated?
- How can I improve my SCHUFA score?
- What is my SCHUFA score?
- How does my SCHUFA score affect my mortgage?
- Can I include modernisation or renovation costs into the mortgage?
- How do I know if a property is not overpriced?
- Can I use a German savings product as a down payment?
- Is there pre-approval in Germany?
- How do I get approved for a mortgage?
- Can I get a mortgage for property not in Germany?
- What happens after my mortgage request gets approved?
- Can I use a KfW subsidy with my mortgage?
Apply for a mortgage
Use our FAQ to understand how applying for a German mortgage works or speak with one of our German mortgage experts to find out more.
- 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?
- How to choose the right fixed interest period?
- Should I mention the moveable assets in the purchase contract
Apply for a 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?
- How to choose the right fixed interest period?
- Should I mention the moveable assets in the purchase contract
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