Baufi24

What Baufi24 does

Baufi24 is a German digital mortgage broker operating under the parent Bilthouse GmbH and headquartered in Hamburg. The platform compares mortgage offers from over 600 partner banks for consumers across Germany, distributing through an omnichannel model that combines online applications, telephone advisory, and a network of 30+ physical branches. The company also runs sub-brands including Zinszwerg / Zinszwerge for comparison-oriented marketing and Kredit24 for installment lending, and operates a real estate agent referral program called ImmoPartner that routes property leads into the brokerage funnel.

The technology stack is built around integrations with the Europace mortgage marketplace for lender connectivity and back-office processing, PriceHubble AG for automated property valuation, and Byteplant GmbH for supporting services, with the firm also offering Finlink, a white-label CRM sold to other brokers and financial advisors. Baufi24 holds the German regulatory permits §34c GewO and §34i GewO required to broker and advise on mortgage and consumer credit products.

The business model is commission-based: consumers receive the comparison and advisory service free of charge, and Baufi24 earns commission from partner banks on closed loans. Revenue is therefore a function of closed loan volume times average commission per loan, with diversification into installment lending (Kredit24) and B2B tooling (Finlink) as adjacent monetization layers. Multiple awards (€uro Top Vermittler Baufinanzierung 2025, TÜV Siegel Preis-Leistung 2024, Preis-Champions GOLD 2025) are used as brand trust signals in a high-consideration financial purchase. AI tooling is limited to productivity use cases such as email drafting and content summarization using ChatGPT, Microsoft Copilot, Google Gemini, and Claude, all subject to human review.

Name

Baufi24

Legal name

Baufi24 Baufinanzierung GmbH

Website

https://baufi24.de

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

101–250 employees

Short description

Baufi24 is a Hamburg-based digital mortgage broker under Bilthouse GmbH that compares offers from 600+ partner banks for German consumers via online, phone, and 30+ branches, plus sub-brands including Kredit24 for installment loans and a Finlink white-label CRM for other brokers.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industry

Short-Term Credit Broking & Lead Generation (FSAKAMAN)

Keywords

• Mortgage brokerage
• Property financing
• Mortgage comparison
• Real estate lending
• Refinancing services

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from Bank Partners: Baufi24 earns commission/fees from partner banks and financial institutions for successfully referring mortgage customers. The service is free for consumers; revenue comes from commissions paid by the lending banks in the network.
2. Ratenkredit (Installment Credit) Referrals: Cross-selling of installment loans through Kredit24, a subsidiary brand of Baufi24 Baufinanzierung GmbH, generating referral commissions for personal loan products.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Baufi24 is a digital mortgage broker that compares financing offers from over 600 German banks and financial partners for consumers seeking property financing, refinancing, or modernization loans. The service is offered free of charge and non-binding to customers, with Baufi24 earning referral commissions from partner banks for successful loan placements. Customers can access the service via website self-service, telephone hotline, or in-person consultation at branch locations.

Product overview

Baufi24 is a digital home finance platform operating as an independent mortgage broker (Baugeldvermittler) in Germany. The platform offers a unified service combining mortgage comparison across over 600 banks, personal advisory (online, phone, or in-person), and specialized calculation tools. The core offering includes Immobilienfinanzierung (property financing), Anschlussfinanzierung (refinancing), and Modernisierungskredit (modernization loans), supported by Baufinanzierungsrechner (calculation tools), Immobilienbewertung (property valuation), and Hypothekenzinsen (rate monitoring). The product portfolio extends via subsidiary Kredit24 to consumer Ratenkredite (installment loans), and includes ImmoPartner for property search assistance. All offerings are accessible through the main website with support from a network of specialized advisors.

Differentiator

Problem solved

Functional benefit

Brands

• Kredit24: Personal loans and installment credit comparison portal operated by Baufi24 Baufinanzierung GmbH

Products and services

• Immobilienfinanzierung (Property Financing) Core mortgage financing offering that compares property financing offers from over 600 banks and financing partners to identify optimal conditions for residential property purchases and new construction. Targeted at German home buyers and property buyers.
• Anschlussfinanzierung (Follow-up Financing) Refinancing offering for homeowners whose initial fixed-interest mortgage period is expiring. Includes forward loans to lock in current rates in advance and rate optimization across the partner bank network.
• Modernisierungskredit (Modernization Loan) Loan product for property renovation, modernization, or refurbishment, typically ranging from €5,000 to €50,000. Often combined with KfW subsidies for energy efficiency upgrades.
• Mortgage for Expats Specialized mortgage brokerage service for international residents and expatriates in Germany, providing English-language advisory and support for property financing in the German market.
• Kredit24 (Installment Loan Sub-brand) Consumer installment loan (Ratenkredit) comparison portal operated by subsidiary Kredit24 GmbH, offering personal loans for free use, vehicle purchases, home modernization, and debt restructuring, powered by the Europace marketplace platform.
• ImmoPartner Property Search Service Property search service connecting customers with real estate offers from partner brokers, developers, and new construction sales organizations. Uses anonymized financing certificate data to improve customers' chances of securing properties.
• Immobilienbewertung (Property Valuation Tool) Free property valuation tool using PriceHubble AG technology to calculate market values based on property and location data, including full address information.
• Baufinanzierungsrechner (Mortgage Calculator Suite)

Quantifiable outcome

• Comparison of over 600 banks for optimal financing conditions
• +1 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability3 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• 600+ Bank PartnerscoreChannel Partner/ Reseller/ DistributorBaufi24 partners with over 600 banks and financial institutions across Germany to provide mortgage comparison services. Partner banks include BWBank, Axa, Commerzbank, Deutsche Bank, ING, Münchener Hypothekenbank, Allianz, Sparkasse, AlteLeipziger, PSDBank, Signal Iduna, Volksbank, and many others. These banks provide mortgage products that Baufi24 compares for customers.
• Bilthouse Group CompaniescoreStrategic or Co-development PartnerThe Bilthouse group includes multiple companies that share customer data under joint controllership arrangements: Bilthouse GmbH, Baufi24 Baufinanzierung GmbH, Hüttig & Rompf GmbH, FinLink GmbH, Bilthouse Service GmbH, creditweb GmbH, and Kredit24 GmbH. These companies cross-refer customers and share infrastructure to optimize customer service within the group.
• Real Estate Partners (Makler, Bauträger, Neubauvertrieb)minorGTM or Marketing PartnerThe ImmoPartner service connects customers with real estate agents, property developers, and new construction sales organizations. With customer consent, anonymized financing certificate data is shared with partners to improve customers' chances of securing properties.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Creditweb: Another Bilthouse Group entity focused on construction financing and consumer credit intermediation. Shares customer referrals and infrastructure with Baufi24.
• Interhyp: Germany's largest independent mortgage broker, directly competing with Baufi24 in residential mortgage intermediation across multiple bank partners. Operates a similar online + advisor hybrid model.
• Dr. Klein: Mortgage and consumer finance broker subsidiary of Hypoport Group, offering residential and commercial loan intermediation. Competes directly with Baufi24 on independent multi-bank comparison.
• PlanetHome: German real estate financing broker and brokerage chain. Provides mortgage intermediation services alongside real estate brokerage, comparable to Baufi24's ImmoPartner integration.
• Hüttig & Rompf: Direct sister company within the Bilthouse Group, providing construction financing brokerage in Germany. Closely comparable product offering and customer base as Baufi24.

Emerging players

• Smava: Digital consumer loan comparison platform in Germany. Comparable to Baufi24's Kredit24 subsidiary in Ratenkredit intermediation and customer targeting.
• Check24: Germany's largest general comparison portal with a growing mortgage brokerage vertical. Competes with Baufi24 for consumer attention across insurance, finance, and energy products.
• Verivox: Comparison portal with mortgage and consumer credit brokerage offerings. Overlaps with Baufi24 on consumer credit comparison and increasingly on Baufinanzierung.

Broad incumbents

• Baufinex: B2B mortgage marketplace for financial advisors and broker partners in Germany. Operates upstream of Baufi24 in the value chain by enabling professional brokers to source loan products.
• Hypoport: Parent of Dr. Klein and operator of the Europace B2B mortgage platform. Provides the underlying marketplace infrastructure used by many German brokers including Baufi24's Ratenkredit flow.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/baufi24
• Xx.com/baufi24
• LinkedInlinkedin.com/company/baufi24

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries2 records

Funding overview

Funding rounds1 record

Investors2 records

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

M&A1 record

Investments

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

Frequently asked questions about Baufi24