How will Hypofriend find me the right mortgage product?

We have built our unique Hypofriend Recommendation Engine (Optimizer) to help you find the right mortgage. It starts with asking you a number of key questions that will help us determine which mortgage products would work best for you.

To feed the engine, we also review the mortgage products and conditions available all the time – we scour over 750 lenders and their conditions on a daily basis. 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.

Combining this lender know-how with your hard information (like your salary) and not-so-hard 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 the logic of the recommendations with you. Your grasp of the decision is essential. You have to pay and live with your decision. And you are different from the average customer, sometimes a little, sometimes a lot. Therefore, together with our team of experienced brokers, you will want to understand well and fine-tune your decision.

PS: The engine was built on the experience that co-founder Chris (Dr. Chris Mulder, if you will) had with developing models used to guide countries to manage their debt when he worked at the IMF and World Bank. Our engine combines modern finance theory with the practical insights from our team of (mainly German) mortgage brokers who are steeped in the knowledge of the local conditions.