The clever way to refinance your German home

Calculate your free online refinancing options in minutes.

We work with 750 mortgage lenders to find you the right mortgage.

Platforms comparison

We cover the most banks in Germany

We compare refinancing offers from more than 750 banks using our multi-platform search engine.

Most brokers just use a single platform.

We had an amazing experience with Hypofriend! They helped us secure our mortgage quickly and smoothly, guiding us through every step of the bank process with clarity and confidence.

Panos

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living-room
We'll find you the right mortgage
product based on your circumstances.

We’ll find you the best refinancing option

You are not tied to your current bank. You may be eligible to switch banks and renegotiate a more favorable mortgage.

They have been very helpful in navigating the complex process of getting a mortgage in Germany. All has been very structured and clear from the beginning, and all the resources and tools that you can find in their website are a great example of how technology can enable a better experience for a customer

Francesco Polentini

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Consultation Software

We'll consult you over video for free

Our mortgage advisors will guide you through your options using our proprietary video consultation software, helping you to understand, find and apply for the right mortgage.

I would highly recommend Hypofriend to secure the perfect mortgage especially for first time home buyers. Our agent Janik guided us through the whole process and was always ready & willing to provide us with detailed answers. Thanks for making our home-buying experience a smooth and enjoyable one!

Poornima Vadivel

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Clients testimonial Hypofriend

What Our Clients Say

Don't take our word for it. Over 250.000 have used Hypofriend and we've supported 1.000s of people with finding and financing their dream home in Germany.

Our meta-search engine finds the optimal refinancing solution for you

The combination of our meta-search engine, valuation tools, and consultation technology helps us find the right mortgage for you from over 750 banks.

Do you still have questions?
We've got answers.

Is the service free?

Yes, our service is always free. Just like any German mortgage broker, we get paid a standard commission by the lender for processing a successful mortgage application. This commission will always be paid by the lender and not by you the customer. As a privately owned and independent company we strive to always deliver the best result for our customers without compromising our values.

Who is behind Hypofriend?

Hypofriend was founded in 2017 by Nick Mulder, his father Dr. Christian Mulder, and later on Pavel Jurasek to help customers make smarter mortgage decisions. Together with a team of over 50 engineers, economists, and mortgage experts they have helped hundreds of customers understand mortgages better and realize their dream of buying a property in Germany.

How does it work?

Start by calculating what you can afford, our Property Radar will then suggest properties you may be interested in. Or simply fill in the details of the property you'd like to finance and we'll calculate your optimal mortgage, advising you on how long to fix the interest rate, how quickly to repay your mortgage and how much equity to invest. We'll then apply you for the best mortgage. You will typically get your mortgage approval within 3 to 10 working days.

Read more in our FAQs

"Hypofriend is a wonderful mortgage brokering service that can help German citizens and expatriates alike in the extremely complicated German mortgage financing process."

Brett