The shortest path to your German dream home

Calculate your free online mortgage recommendation in minutes.

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We work with hundreds of mortgage lenders to find you the right mortgage

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Check what you can afford

Just answer a few questions to see what you can afford and where you qualify

Our service is free as we get paid by the lenders

I really appreciate Hypofriend’s professional advice and supports that helped us go through the whole process efficiently from defining the needs based on my personal situation to finding a suitable mortgage offer in the market. Would definitely recommend their service to anyone.

Dylan

See what I can afford
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We'll find you the right mortgage
product based on your circumstances.

We'll find you the optimal mortgage

Our recommendation engine calculates your optimal mortgage comparing hundreds of lenders and thousands of loan options

Hypofriend assisted me by providing competitive interest rates, and a detailed understanding of the loan contract from the bank.

Andrew

Find the right mortgage
AdrianNicoleMichaelStephan

Our experts take care of the rest

Mortgages can be overwhelming. Your dedicated expert will help you understand your options and apply for the best mortgage, saving you time & money.

We have been very happy with the service provided by Hypofriend. Buying our first property felt a bit scary, so we were very grateful to have someone to support us all along the way.

Steve

Get Started

We put all the pieces together

We use technology to recommend you the optimal mortgage for your situation.

module Mortgage

class Checker

def initialize(calcul

calculation.monthly_

@calculation = calcu

end

def possible_pay_off?

@payments = (

Amortization.table(

Date.current

Date.current + 40.

default_result

) do | result, monthly_payment,

previous_monthly_pay

| previous_monthly_p

Marie, 32

Berlin

45.000 €

Savings

3.200 €

Monthly Income

Permanent

Residency

Munich

Property Location

10 years

Likelihood to own the property

Yes

Partner

390.000 €

4 room, 74m2 apartment in Kreuzberg

420.000 €

Estimated
property value

10 years Fixed Interest Period
Expected interest rate
1,10 %
Purchase price
390.000 €
Loan amount
390.000 €
Loan to value
100 %
Monthly rate
1.000 €
Repayment rate
2 %

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 and his father Dr. Christian Mulder to help customers make smarter mortgage decisions. Together with a team of over 20 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

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