Immotege
Immotege GmbH is a Leonberg, Germany-based real estate financing brokerage serving private investors by brokering mortgage financing through 700+ banks via the Europace platform, earning 1–2.5% bank commissions plus consulting and affiliate revenue.
- Company typePrivate
- Founded2017
- HeadquartersLeonberg, Germany
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Immotege does
Immotege GmbH is a real estate financing brokerage headquartered in Leonberg, Germany, founded in 2017/2018 by Philipp Scharpf, who retains approximately 96.25% ownership. The firm serves private real estate investors by brokering mortgage and real estate financing, providing access to a network of 700+ banks through integration with the Europace platform. Its core proposition is a direct-submission model that routes financing requests to bank partners without passing through a clearing-house intermediary, combined with advisory and content services for individual investors building or expanding real estate portfolios.
The company has built a digital platform that integrates Europace for direct financing submission and vdpResearch for property market data, supported by an accumulated base of 50,000+ data points across investor profiles and deal histories. Distribution is driven by a content and education library aimed at private real estate investors and an affiliate program that channels partner-sourced leads. Revenue is generated through three streams: bank commissions on closed loans (1–2.5% of loan volume), strategy consulting fees, and affiliate income. Reported unit economics include 3+ financing approvals per day and a 40% conversion rate on captured cases versus a ~9% market average.
The firm operated as a bootstrapped business through 2019, when it generated approximately 280,000 EUR in revenue at a 41% margin. Since then it has scaled headcount from 3 to 20+ employees and raised a 150,000 EUR round from 3 investors in August 2021, with a planned 300,000 EUR equity raise plus a 275,000 EUR KfW development loan targeted for December 2021 to fund platform and team expansion. A self-service portal product was launched in 2022, signaling a move beyond pure human-led brokerage.
Immotege firmographics
Firmographics- Name
- Immotege
- Legal name
- Immotege GmbH
- Website
- https://immotege.de
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Immotege GmbH is a Leonberg, Germany-based real estate financing brokerage serving private investors by brokering mortgage financing through 700+ banks via the Europace platform, earning 1–2.5% bank commissions plus consulting and affiliate revenue.
- Ownership category
- akta.pro rank
Immotege industry classification
Industry- Product category
- Real Estate Financing Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Real Estate Capital Markets Brokerage (Debt & Equity Placement) (FSAEAJAK)
- akta.pro secondary industries
- Residential Investment Property Brokerage (SFR/Small Multifamily) (BPAJAAAE), Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds) (FSAEALAM), Bridge & Short-Term Real Estate Loan Intermediation (FSAEAEAG)
Keywords
Where Immotege is headquartered
LocationHeadquarters
- HQ city
- Leonberg
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Immotege business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Commission from Banks: Receives commissions from bank partners based on financed loan volume. Commissions range from 1-2.5% depending on bank and pool, with overhead of 0.25% deducted for partners. Volume pooling allows partners to reach higher commission tiers.
- Strategy Consulting Fees: Additional revenue from strategic consulting for complex financing cases, often handled in cooperation with lawyers and tax advisors, including company structure setup
- Affiliate Sales Commission: 5 euros commission per book sale through Digistore24 affiliate program
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Partner Commission Structure |
| Other | Multi-year contract | Financing Solutions |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
Immotege product offering
Product offeringCore offering
Immotege is a German real estate financing broker (Immobiliardarlehensvermittler) that intermediates mortgage loans for private real estate investors building Buy & Hold property portfolios. The company operates a proprietary web portal integrated with Europace, providing direct submission access to 700+ banks plus 250+ special credit programs, enabling comparison, application, and management of complex financing scenarios including 100% financing, non-resident borrowers, and self-employed applicants.
Product overview
Immotege operates as a mortgage financing broker for real estate investors, offering a unified platform combining the Immotege Portal (web-based financing management), Europace-Direkteinreicher-Zugang (direct loan submission access), Sonderfall-Clearing (manual processing for complex cases), and access to 700+ banks with 250+ special credit programs. Supporting products include the 'Buch Immobilienstratege' book, YouTube educational channel, and partnership programs for brokers, agents, banks, and influencers.
Differentiator
Problem solved
Functional benefit
Brands
- Buch Immobilienstratege: A book authored by Philipp Scharpf on real estate investing and financing strategies, also available for affiliate sale at 5.00 € per sale through Digistore24.
- Vermietertagebuch
Products and services
- Immotege Portal Online platform for private real estate investors to compare financing across 700+ banks, manage property portfolios, generate standardized self-disclosure forms accepted by 800+ banks, and access vdpResearch property valuations and 250+ special credit programs.
- Sonderfall-Clearing (Special Case Processing) Manual processing service for complex financing cases outside standard Europace offerings, utilizing over 250 special credit programs and direct bank contacts nationwide. Handles cases including non-residents, self-employed borrowers, 100% financing, and exotic scenarios.
- Buch Immobilienstratege Book by Philipp Scharpf covering investment and financing strategies for private real estate investors, available for purchase through Digistore24 with an affiliate program offering 5 euros per sale.
Quantifiable outcome
- Grew from 3 to 20+ employees in 2 years after adopting direct submission model
- +3 more outcomes
Companies that use Immotege
Customer profileNamed customers4 records
Segments6 records
Ideal customer profiles4 records
Immotege technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature5 records
Immotege partnerships and signals
Strategic signalPartnerships
28 partnerships are on record, tiered core and minor.
- EuropacecorePrimary technology platform for financing comparison and submission. Immotege uses both standard and direct submission access to process cases faster than traditional clearing.
- ProhypminorAlternative pooling platform mentioned for comparison of commission structures. Immotege offers better terms than Prohyp's Classic (0.25% vs 2% overhead).
- QualitypoolminorPooling platform accessible through Immotege's network for financing submissions.
- BaufinexminorPooling platform available through Immotege's partner network.
- INGminorBank paying 1% commission (lowest among partners). Cases must go through clearing due to bank's policy.
- DSL/BHWminorBank paying 2.5% commission with potential 0.5% bonus through Immotege's structure (3% total possible).
- DKBminorBank paying 2.5% commission (1.5% after pool overhead). Cases go through clearing.
- CommerzbankminorBank paying 2% commission (1.5% after pool overhead).
- SparkassenminorRegional savings banks paying 2.5% commission (2% after pool overhead).
- Volksbanken/PSD/SpardabankenminorCooperative banks paying 2.5% commission (2% after pool overhead).
- vdpResearchcoreLeading bank-side property valuation system, previously only accessible to banks, now integrated for customer portfolio management and re-lending potential identification.
- Professional Financing Intermediaries NetworkcoreOver 55,000 registered financing intermediaries (Immobiliardarlehensvermittler IHK) in Germany represent potential partner base for volume pooling and referral network.
- Insurance BrokersminorInsurance brokers (Versicherungsmakler) can add financing services through Immotege's platform with volume pooling benefits and 50/50 commission split.
- Real Estate AgentsminorImmobilienmakler can access financing comparison tools and referral commissions for clients needing property financing.
- Property DevelopersminorBauträger gain access to financing solutions for customers, process integration, and commission sharing.
- Tax Advisors and AuditorsminorSteuerberater/Wirtschaftsprüfer can refer client financing needs and earn 50% commission on completed deals.
- Real Estate Content CreatorsminorImmobloger, Immoyoutuber, Immopodcaster can monetize audiences through 50/50 commission sharing on referred financing deals.
- Finance Content CreatorsminorFinanzbloger, Finanzyoutuber, Finanzpodcaster can partner for content creation and referral commissions.
- Seminar ProvidersminorSeminaranbieter (economics, tax, real estate) can collaborate with Philipp Scharpf as speaker.
- Prefab House SellersminorFertighausverkäufer can offer financing solutions for customers without equity or complex situations.
- Investment Property SellersminorVertriebsimmobilienverkäufer selling capitalanlageimmobilien (apartments, care homes, heritage properties) can offer financing solutions.
- Banks and Building SocietiesminorBanks can quickly list products on Immotege's platform through phone consultation without lengthy implementation processes, accessing partner network.
- Facebook Group: FinanzierungsfachgruppeminorProfessional Facebook group for financing intermediaries networking and knowledge sharing.
- LinkedIn Group: Real Estate FinanceminorLinkedIn professional network group for financing intermediaries.
- Real Estate StammtischeminorInformal real estate investor networking groups nationwide where Philipp Scharpf speaks and builds relationships.
- Immopreneur PlatformminorImmopreneur platform featuring content about real estate investing where Immotege and Philipp Scharpf appear.
- Immopreneur CongressminorMajor real estate investor conference where Philipp Scharpf speaks and promotes Immotege services.
- Fix & Flip Mastermind MallorcaminorPrivate mastermind event hosted by Oliver Fischer where Philipp Scharpf speaks on real estate financing.
Scale indicators9 records
Recent moves7 records
Expansion highlights5 records
Immotege competitors and assessment
Company assessmentRegional players
- Enderlein & Co. GmbH: Independent mortgage and real estate financing broker serving the German private-investor segment with bank-comparison services. Comparable niche positioning around complex/private-investor financing cases.
Direct peers
- Interhyp AG: Germany's largest independent mortgage broker, brokering residential real estate loans across hundreds of bank partners via Europace. Direct competitor in the German consumer/investor mortgage intermediation market that Immotege serves.
- Baufi24 GmbH: Pure-play online mortgage broker in Germany covering purchase, refinance and investment property financing. Overlaps with Immotege's portal-driven approach to bank comparison and digital funnel.
- Dr. Klein Privatfinanz AG: Established German mortgage and consumer finance broker with wide bank panel access and digital comparison tools. Competes head-to-head in residential real estate financing brokerage, particularly for portfolio investors.
- Prohyp GmbH: German mortgage broker platform pooling volumes from partner intermediaries for better commission tiers. Explicitly named by Immotege as a competing pooling model with higher overhead economics.
- Hüttig & Rompf AG: Independent German mortgage broker with regional branch network offering Baufinanzierung and brokerage for owner-occupiers and investors. Comparable business model and customer overlap in the residential investment financing segment.
- Baufinex GmbH: Specialist German B2B platform for construction and real estate financing pooling. Directly comparable pooling/processing infrastructure that competes for partner broker volume.
- Qualitypool GmbH: Europace-aligned pooling platform for financing intermediaries in Germany, offering volume-based commission benefits. Listed by Immotege as an alternative pooling partner and competitor.
Broad incumbents
- Verivox GmbH: Major German price-comparison portal for utilities, insurance, and financial products, including mortgage lending. Adjacent incumbent offering consumer-side comparison that overlaps with Immotege's bank-comparison value proposition.
- CHECK24 Vergleichsportal GmbH: Germany's largest comparison portal across insurance, banking, energy and more, including a significant Baufinanzierung mortgage brokerage business. Competes with Immotege through scale and brand for residential financing customers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Immotege social profiles
Digital presenceImmotege financial estimates
Financial estimateRevenue estimate
Valuation estimate
Immotege leadership team
Management profileNumber of profiles
Profiles1 record
Immotege funding detail
Funding detailFunding overview
Funding rounds3 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Immotege M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Immotege
What does Immotege do?
Immotege is a German real estate financing broker (Immobiliardarlehensvermittler) that intermediates mortgage loans for private real estate investors building Buy & Hold property portfolios. The company operates a proprietary web portal integrated with Europace, providing direct submission access to 700+ banks plus 250+ special credit programs, enabling comparison, application, and management of complex financing scenarios including 100% financing, non-resident borrowers, and self-employed applicants.
Is Immotege a public or private company?
Immotege is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Immotege founded?
Immotege was founded in 2017. It employs 11 to 50 people.
Where is Immotege based?
Immotege is headquartered in Leonberg, Germany, in the Europe region.
How does Immotege make money?
Three revenue lines are on record. Commission from Banks are the primary driver. The others are strategy Consulting Fees and affiliate Sales Commission.
Who are Immotege's main competitors?
Enderlein & Co. GmbH is listed as a regional player. Direct peers are Interhyp AG, Baufi24 GmbH, Dr. Klein Privatfinanz AG, Prohyp GmbH, Hüttig & Rompf AG, Baufinex GmbH and Qualitypool GmbH. Broad incumbents are Verivox GmbH and CHECK24 Vergleichsportal GmbH.
Does Immotege have an API?
No public API is recorded for Immotege.
What industry is Immotege in?
Immotege's product category is Real Estate Financing Brokerage. Its primary akta.pro industry code is FSAEAJAK, Real Estate Capital Markets Brokerage (Debt & Equity Placement), with a secondary code of BPAJAAAE, Residential Investment Property Brokerage (SFR/Small Multifamily). Its NAICS code is 522310 and its SIC code is 6163.