Heimkapital

Name

Heimkapital

Legal name

Heimkapital GmbH

Website

https://heimkapital.de

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Real Estate Equity Release

NAICS

Sales Financing (52222)

SIC

Real Estate Agents & Managers (For Others) (6531), Real Estate Dealers (For Their Own Account) (6532)

akta.pro primary industry

Home Equity & HELOC Intermediaries (FSALABAE)

akta.pro secondary industries

HELOC Origination (Revolving Lines of Credit) (FSALAGAB), Home Equity Loan & HELOC Intermediation (FSAEAEAD)

Keywords

• Real estate equity release
• Property partial sale
• Home equity monetization
• Real estate annuity
• Proptech financial services

Headquarters

HQ city

Munich

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Supply Chain, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Service Fee on Partial Sale: Heimkapital earns a service fee upon completion of the partial property sale transaction. This is a one-time fee triggered when the partial sale contract is finalized.
2. Monthly Usage Fee: Property owners pay a monthly usage contribution (Nutzungsentgelt) for the portion of the property sold to Heimkapital. This is similar to rent for the sold portion and represents recurring revenue. The fee is fixed for 10 years, then adjusted every 5 years based on the consumer price index.
3. Portfolio Value Appreciation: Heimkapital benefits from the appreciation of its property portfolio over time. As property values increase, the company's asset base grows until final sale.
4. Service Fee on Full Sale: Upon final sale of the property (end of partnership), Heimkapital receives a service fee for professional management and execution of the complete sale transaction.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Heimkapital enables German homeowners aged 55+ to unlock liquidity from their property without selling it outright or moving. Its core product is the Immobilien-Teilverkauf (partial sale), under which the company acquires up to 50% of a property's value and grants the seller a lifetime Nießbrauch (usufruct) right to remain in the home, in exchange for an immediate cash payout plus a fixed monthly usage fee. Complementary offerings include Grundkapital (land sale with Erbbaurecht hereditary building right up to 199 years), Immobilienverrentung (lifetime annuity and sale-and-leaseback structures), and the HeimMakler digital AI-powered brokerage for full property sales.

Product overview

Heimkapital GmbH is a Munich-based real estate platform offering innovative equity release products for homeowners aged 55+. The company operates three core products: (1) Heimkapital/Teilverkauf - partial property sale where up to 50% is sold while retaining lifetime residence rights; (2) Grundkapital - land sale with Erbbaurecht allowing homeowners to sell land while keeping their house for up to 199 years; and (3) Immobilienverrentung - various lifetime income models including Zeitrente and sale-and-lease-back. Additionally, the HeimMakler digital broker platform enables full property sales with AI-supported valuations and marketing. The company manages over 1,400 properties with approximately €700 million in Assets under Management as of end 2025.

Differentiator

Problem solved

Functional benefit

Products and services

• Heimkapital Teilverkauf (Partial Property Sale) Core product allowing homeowners aged 55+ to sell up to 50% of their property's value to Heimkapital in exchange for an immediate cash payout and a lifetime right of residence (Nießbrauchrecht); the seller remains the primary owner while Heimkapital becomes a silent co-owner, and the seller pays a fixed monthly usage fee (Nutzungsentgelt).
• Grundkapital (Land Sale with Erbbaurecht) Erbbaurecht-based solution in which homeowners sell only their land to Heimkapital while retaining their house and receiving a hereditary building right (Erbbaurecht) of up to 199 years, an immediate payout, and full decision authority over the property.
• Immobilienverrentung (Real Estate Annuity) Real estate conversion products providing immediate liquidity through a property sale against residence rights, a lifetime annuity (Zeitrente), or sale-and-leaseback, allowing owners to remain in the property long-term with up to 100% of the property value paid out.
• HeimMakler (Digital Brokerage Platform) AI-supported digital brokerage platform for full property sales, providing quick automated property valuation, precise location analysis, comprehensive marketing services, and end-to-end transaction handling through to legally compliant sale completion.
• 360° Services rund ums Haus (Energy Renovation Service Package) Comprehensive service package for Heimkapital customers covering energy-efficient home renovation, including independent expert advice, access to an expert network, subsidy/funding consultation, and introductions to qualified installation partners for measures such as heat-pump and window installation.

Quantifiable outcome

• Properties can achieve 70% reduction in end energy consumption through supported renovation measures
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Remax GermanycoreChannel Partner/ Reseller/ Distributor · 21 July 2022Exclusive partnership under 'Maxxcapital powered by Heimkapital' brand. Germany's largest real estate broker network with 215 offices and 850 brokers across 200+ locations provide in-person consultation for partial sales. Remax brokers handle customer consultation while Heimkapital manages the transaction process.
• GoGaudiminorGTM or Marketing PartnerLoyalty program partner for the Heimkapital Club, providing exclusive discounts on home appliances, electronics, and services to customers. Platform enables members to access savings from brands like Shark, Ninja, and Lampenwelt.
• Compexx FinanzminorChannel Partner/ Reseller/ DistributorFinancial advisory partner network for customer referrals in the real estate equity release segment.
• BöckerminorChannel Partner/ Reseller/ DistributorReal estate partner for customer referrals and property services.
• ISZ ImmobilienminorChannel Partner/ Reseller/ DistributorReal estate partner for customer referrals and property services.
• Grossmann & BergerminorChannel Partner/ Reseller/ DistributorReal estate partner for customer referrals and property services in northern Germany.

Scale indicators9 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Wertfaktor: Wertfaktor is a direct German competitor offering Immobilien-Teilverkauf (real estate partial sale) products. It is a co-signatory of the Qualitätskodex and competes head-to-head with Heimkapital for the same 55+ property owner segment in Germany.
• Engel & Völkers LiquidHome: Engel & Völkers LiquidHome is a direct competitor in the German partial property sale market, leveraging the Engel & Völkers broker network for customer acquisition. Also a co-signatory of the Qualitätskodex and operates an essentially identical product offering.
• Volksbank Immobilien Teilverkauf: Volksbank Immobilien Teilverkauf is a co-operative bank-owned partial property sale scheme competing directly with Heimkapital, leveraging Volksbanken/Raiffeisenbanken branches for distribution. Listed alongside Heimkapital as a Qualitätskodex founding member.
• EverHome (formerly Deutsche Leibrenten): EverHome (formerly Deutsche Leibrenten) is a German specialist in Immobilienverrentung and reverse mortgage-style equity release products. It directly competes with Heimkapital's Verrentung product line and targets the same 55+ homeowner demographic.
• Deutsche Leibrenten Grundbesitz AG: Deutsche Leibrenten Grundbesitz is one of the longest-established German providers of Immobilienverrentung, offering sale-and-leaseback and life annuity models. It is a direct peer in the property-based retirement income category.

Broad incumbents

• Wüstenrot Bausparkasse: Wüstenrot is a major German Bausparkasse (building society) offering a broad suite of mortgage, savings, and home equity release products. It is a broad incumbent with overlapping equity release capability but as part of a much wider financial services portfolio.

Emerging players

• CASIMO / Verkauf & Wohnen: Verkauf & Wohnen is a smaller emerging player in the German partial property sale market, targeting homeowners seeking liquidity while retaining residence rights. It overlaps with Heimkapital's Teilverkauf product but operates at smaller scale.
• Homeday: Homeday is a digital German real estate brokerage platform. It competes with Heimkapital's HeimMakler product in the AI-powered property brokerage category and shares the PropTech DNA but focuses on traditional brokerage rather than equity release.
• McMakler: McMakler is a technology-enabled German real estate brokerage with hybrid online-offline service. Comparable to Heimkapital's HeimMakler for full property sales transactions, though without the equity release product focus.
• Jomaa Polycapita: Polycapita (formerly Jomaa) is a smaller German partial sale and equity release provider. It directly targets the same customer segment as Heimkapital but operates at a smaller scale and lacks the equivalent bank-distribution partnerships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/Heimkapital
• Facebookfacebook.com/heimkapital
• LinkedInlinkedin.com/company/heimkapital
• Instagraminstagram.com/heimkapital
• Xx.com/heimkapital

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds3 records

Investors7 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Heimkapital