What Justhome does

Justhome GmbH is a Berlin-based online mortgage broker founded in 2022 that operates a digital platform enabling German home buyers to compare mortgage financing conditions from nearly all German banks and Sparkassen, including Commerzbank, KfW, Sparkasse, Volksbank, Allianz, and ING. The company guides customers through a three-step process: an automated financing calculator that compares conditions from hundreds of banks within minutes, expert consultation via booked appointments, and step-by-step accompaniment to financing completion delivered through phone, WhatsApp, or email.

The product suite centers on the Baufinanzierung Vergleich platform, supplemented by a portfolio of financing calculators (Budgetrechner, Tilgungsrechner, Baufinanzierungsrechner, Anschlussfinanzierungsrechner, Kaufnebenkostenrechner, Notarkostenrechner), follow-up financing (Anschlussfinanzierung), financing confirmation certificates, interest-rate monitoring tools (Zinswecker and Zinschart), and a learning center with educational content on property purchase and financing. The company holds both § 34c GewO and § 34i GewO licenses, registering as a regulated real estate loan broker under D-W-107-5HTV-85, and operates nationwide across Germany with an 11-50 person team led by managing directors Johannes Fenner and Dr. Marc Rustige.

Justhome generates revenue exclusively through commissions paid by banking partners when customers complete mortgage financing through the platform; the service is positioned as free for end customers. Distribution relies on a digital-led go-to-market combining SEO, paid search, paid social, content marketing, and HubSpot-driven marketing automation, alongside a B2B2C partner program for real estate brokers. The company has raised $3.3M in a 2022 seed round led by Target Global with participation from APX, Axel Springer, and Porsche.

Name

Justhome

Legal name

Justhome GmbH

Website

https://justhome.co

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Justhome is a Berlin-based online mortgage broker operating across Germany since 2022. It compares financing conditions from hundreds of German banks and Sparkassen via an automated platform, pairing digital tools with human advisors to help home buyers secure mortgage financing at no cost.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

akta.pro secondary industries

Consumer Direct / Online Mortgage Origination (FSALAAAB), Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA), Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

Keywords

• Mortgage brokerage
• Home financing
• Mortgage comparison
• Real estate financing
• Loan broker

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from banks and Sparkassen: Justhome acts as an intermediary between home buyers and German mortgage lenders. The company earns commissions (likely referral or success fees) from the banks and Sparkassen when customers complete financing through the platform. The service is free for customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Justhome operates a digital mortgage brokerage platform that aggregates and compares home financing conditions from hundreds of German banks and Sparkassen, enabling individual home buyers to identify optimal mortgage rates. The service combines an automated comparison engine with human expert advisors who guide customers through the financing process via phone, WhatsApp, or online appointments. The service is free for consumers and is monetized through commissions paid by banking partners when financing is completed.

Product overview

Justhome is a German real estate financing platform offering a unified product ecosystem centered on comparing mortgage rates from banks and savings institutions. The core offering is the Baufinanzierung Vergleich platform combined with various financing calculators (Budgetrechner, Tilgungsrechner, Baufinanzierungsrechner, Kaufnebenkostenrechner, Notarkostenrechner) that help users plan and optimize their property financing. Additional modules include Anschlussfinanzierung for follow-up financing, Finanzierungsbestätigung for official financing confirmation, and Zinswecker/Zinschart for interest rate monitoring. The platform also includes a Learning Center providing educational content on real estate topics, and a Partner program connecting users with real estate agents. The service is free for buyers and available nationwide across Germany.

Differentiator

Problem solved

Functional benefit

Products and services

• Baufinanzierung Vergleich (Mortgage Comparison) Core service for individual home buyers in Germany to compare mortgage rates from nearly all German banks and savings institutions and obtain a market overview within minutes. Customers receive step-by-step guidance to financing completion via expert advisors on phone, WhatsApp, or online.
• Anschlussfinanzierung (Follow-Up Financing) Service helping customers whose initial mortgage term is ending to find favorable follow-up financing conditions across German banks and Sparkassen.
• Finanzierungsbestätigung / Finanzierungszertifikat (Financing Confirmation Certificate) Provides official documentation confirming that financing has been approved, supporting property buyers in purchase negotiations and transactions.
• Zinswecker / Zinsalarm (Interest Rate Alert) Subscription-style alert service that notifies users when mortgage interest rates reach favorable levels so they can lock in financing at the right time.
• Immobilienmakler Partner Program (Real Estate Broker Partner Program) Partner program that enables German real estate brokers (Immobilienmakler) to refer property-buying clients needing financing into the Justhome platform, providing brokers with a financing add-on service for their clients.

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature1 record

Partnerships

Six partnerships are on record, tiered core.

• CommerzbankcoreGTM or Marketing PartnerCommerzbank is one of the banking partners displayed on the Justhome homepage as a trusted partner, contributing to the mortgage rate comparison network. Banks in the network provide financing products that Justhome compares and distributes to customers.
• KfW BankcoreGTM or Marketing PartnerKfW Bank (Kreditanstalt für Wiederaufbau) is one of the banking partners whose financing products are included in the Justhome comparison network, particularly relevant for government-subsidized home financing programs.
• SparkassecoreGTM or Marketing PartnerSparkasse (German savings banks) are part of the banking partner network, representing a broad network of regional public banks available for comparison through the Justhome platform.
• VolksbankcoreGTM or Marketing PartnerVolksbank (German cooperative banks) are listed as banking partners whose products are included in the mortgage comparison network on Justhome.
• AllianzcoreGTM or Marketing PartnerAllianz, a major German financial services group, is listed as a trusted banking partner whose financing products are available through the Justhome comparison platform.
• ING BankcoreGTM or Marketing PartnerING Bank is listed as a trusted banking partner. The ING is a major online bank in Germany whose mortgage products are included in the Justhome comparison network.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Interhyp: Interhyp is Germany's largest independent mortgage broker, comparing loans from hundreds of banks and Sparkassen. It is the dominant incumbent in the same online mortgage brokerage category Justhome competes in, with broader brand recognition and longer-standing bank relationships.
• Check24: Check24 is Germany's largest price-comparison portal with a substantial mortgage brokerage vertical alongside insurance, banking, and other financial products. It is a broader incumbent competing for the same online mortgage comparison customer that Justhome targets.
• Verivox: Verivox is a major German comparison portal offering mortgage comparison and brokerage alongside energy, telecom, and insurance products. It competes with Justhome for the same consumer financing search intent.
• Hypoport (parent of Europace): Hypoport is the parent of Europace and operates a portfolio of mortgage and real estate finance platforms in Germany, including FinanceScout24 and consumer-facing comparison brands. It is a broad incumbent whose platforms compete with Justhome for the same mortgage lead flow.

Direct peers

• Dr. Klein Privatkunden: Dr. Klein is a long-established German mortgage and consumer finance broker with both online and offline advisory channels. It directly competes with Justhome in residential mortgage brokerage across Germany, offering comparable comparison-engine plus advisor services.
• Baufi24: Baufi24 is a German online mortgage broker offering a Baufinanzierung comparison platform across many German banks. It is a direct competitor to Justhome with a similar online comparison-plus-advisor proposition.
• Finanzcheck: Finanzcheck is one of Germany's leading online consumer finance comparison platforms with a strong mortgage brokerage vertical. It competes head-to-head with Justhome in digital mortgage comparison and lead generation.
• Creditweb (Starpool): Creditweb is a German online mortgage broker operating under the Starpool group, offering Baufinanzierung comparison from a broad panel of German banks. It is a direct competitor to Justhome in the digital residential mortgage broker segment.
• Hüttig & Rompf: Hüttig & Rompf is a German mortgage and real estate financing broker with a hybrid online and advisor model. It is a comparable competitor to Justhome in the residential mortgage intermediary market.

Emerging players

• Europace: Europace is a German B2B mortgage transaction platform that powers multiple brokers and financial product distributors. It represents an adjacent technology provider in the same German mortgage value chain that Justhome operates in.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds2 records

Investors5 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 Justhome