What Bilthouse GmbH does

Bilthouse GmbH is a Hamburg-headquartered holding company that operates one of Germany's largest independent mortgage intermediation platforms, formed in April 2022 when Nordic Capital acquired majority ownership and consolidated three established brokers — Baufi24 Baufinanzierung AG, Hüttig & Rompf AG, and Creditweb GmbH — under a single group structure. The group serves individual German homebuyers, builders, and refinancers across five consumer brands (Baufi24, Hüttig & Rompf, Creditweb, Kredit24, Loanlink24), intermediating approximately €5 billion in annual construction financing volume through a network of over 1,200 brokers and 2,750+ real estate sales partners, with 500+ bank partners on the supply side.

The underlying technology asset is FinLink, a proprietary CRM and financing platform founded in 2017 that processes more than 50,000 mortgage applications per month and connects brokers to bank, building society, and insurance partners. The group combines digital self-service channels with physical branch offices (Geschäftsstellen) and a hybrid employment model — fixed-salary advisors alongside self-employed commercial agents working under the §84 HGB framework who receive performance-based commissions on qualified leads from brand-level marketing.

Bilthouse generates revenue primarily through transaction commissions from banks on successfully placed mortgage loans (Baufi24, Hüttig & Rompf, Creditweb, Loanlink24), consumer-loan intermediation commissions (Kredit24), and ancillary B2B SaaS-style fees from FinLink CRM services provided to internal and external brokers. The group employs approximately 700 people, has been recognized with TÜV Customer Satisfaction 2024 and Comenius Seal 2025 certifications, and is led by CEO Tomas Peeters (former Interhyp AG board member), CSO Benjamin Papo (former Interhyp board member), CHRO Helena Voith von Voithenberg, and CFO Daniel Härtl (effective June 2025), under the chairmanship of Michiel Goris (former Interhyp CEO). Nordic Capital remains the majority shareholder.

Name

Bilthouse GmbH

Legal name

Bilthouse GmbH

Website

https://bilthouse.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Bilhouse GmbH is a Hamburg-based holding company majority-owned by Nordic Capital that operates one of Germany's largest independent mortgage broker groups (Baufi24, Hüttig & Rompf, Creditweb, Kredit24) intermediating approximately €5 billion in annual financing volume for individual homebuyers through 1,200+ brokers and 500+ bank partners on the FinLink CRM platform.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Mortgage intermediation
• Mortgage brokerage services
• Real estate financing
• Consumer lending
• Financial advisory

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Intermediation Commission: Commission income from banks and financial institutions for placed mortgage loans. The group acts as an independent intermediary matching borrowers with over 500 bank partners offering competitive financing options.
2. FinLink B2B Software Services: CRM platform services provided to brokers and mortgage advisors within the group and potentially external users, enabling digital mortgage processing and bank connectivity.
3. Kredit24 Private Loans: Private loan intermediation services through the Kredit24 brand subsidiary.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Bilthouse GmbH is a holding company for a multi-brand mortgage financing intermediation group serving German consumers seeking home purchase, construction, or refinancing financing. Through its subsidiary FinLink, the group also operates a B2B CRM platform that enables mortgage brokers to digitally process applications across more than 500 bank partner integrations. The group mediates approximately €5 billion in annual mortgage financing volume, combining digital platforms with personal advisory services.

Product overview

Bilthouse GmbH operates as a holding company for a multi-brand mortgage financing ecosystem. The group comprises five distinct brands serving different market segments: Baufi24 and Hüttig & Rompf as primary mortgage lending platforms (offering approximately 500 bank partner options), Creditweb as an independent intermediary, Kredit24 for consumer lending, and FinLink as a B2B fintech CRM platform that processes mortgage applications. The group employs approximately 700 people and facilitates around five billion euros in annual mortgage financing volume. The portfolio combines digital efficiency with local presence and personal advisory services.

Differentiator

Problem solved

Functional benefit

Products and services

• Baufi24 Leading independent mortgage financing platform offering customers a transparent selection from approximately 500 bank, building society, and insurance partner offers. Provides digital and in-person advice with fast financing commitments, ranked among the top-3 mortgage financing platforms in Germany.
• Hüttig & Rompf Mortgage financing specialist with over 35 years of experience operating through a network of 2,750+ real estate sales partners who generate referral-based leads. Customers come through long-standing partners such as brokers, developers, and project developers.
• Creditweb Independent mortgage lending intermediary providing access to multiple financing options through bank partnerships. Daniel Härtl serves as Managing Director alongside his Group CFO role.
• Kredit24 Consumer lending brand offering private loans (Privatkredite) for personal financing needs, complementing the mortgage financing offerings within the Bilthouse Group.
• FinLink B2B fintech CRM platform for real estate financing serving as a universal financing platform for private mortgage lending. Processes over 50,000 applications monthly across more than 1,200 brokers nationwide, supporting approximately 500 bank partners and managing over one billion euros in annual financing volume.

Quantifiable outcome

• €5 billion annual mortgage volume facilitated
• +3 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability2 records

Feature1 record

Partnerships

Six partnerships are on record, tiered core, secondary and minor.

• Baufi24 Baufinanzierung AGcoreOthers · 5 April 2022Founding brand of Bilthouse Group, specializing in smart, innovative mortgage financing offering customers transparent selection from 500+ bank, building society, and insurance offers.
• Hüttig & Rompf AGcoreOthers · 5 April 202235+ year-old mortgage specialist with strong network of 2,750+ real estate sales partners generating referral-based leads. Key differentiator is the established network approach before customer inquiries.
• Creditweb GmbHcoreOthers · 5 April 2022Mortgage intermediation brand within Bilthouse Group, with Daniel Härtl serving as Managing Director alongside his CFO role at group level.
• Kredit24 GmbHsecondaryOthersPrivate loan (Privatkredite) intermediation subsidiary within the Bilthouse Group, complementing the core mortgage financing business.
• FinLink GmbHcoreTechnology or IntegrationB2B fintech providing CRM software for mortgage financing. Founded in 2017, it serves as the universal financing platform with over 1,200 brokers processing 50,000+ monthly applications with 500 bank partners. Iryna Zhovtobryukh serves as CTO and Managing Director.
• Loanlink24minorOthersAdditional brand within the Bilthouse Group ecosystem serving the mortgage intermediation market.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Hypoport AG / Europace: Operates Europace, the leading B2B mortgage and consumer finance platform in Germany, serving banks, brokers, and financial product distributors. Closely comparable to Bilthouse's FinLink CRM business model and overall mortgage marketplace positioning.
• CHECK24 Vergleichsportal: Major German price-comparison portal offering mortgages, insurance, and consumer credit intermediation alongside strong consumer brand marketing. Directly competes with Bilthouse's Baufi24 and Kredit24 for the same online-acquisition customers.
• Interhyp AG: Germany's largest independent mortgage broker, intermediating a multi-billion-Euro loan volume annually through a hybrid digital-and-advisor model. Most direct competitor to Bilthouse's Baufi24, Hüttig & Rompf, and Creditweb brands.
• Dr. Klein Privatkunden AG: Long-established German mortgage broker with both franchise and direct advisor models. Competes head-to-head with Bilthouse brands for residential mortgage customers and partner-bank distribution.
• Verivox Vergleichsportal: German comparison portal for financial products including mortgages, loans, and insurance. Overlaps with Bilthouse's lead generation and intermediation funnel for rate-sensitive German consumers.

Emerging players

• BaufiSmart: Digital mortgage broker focused on streamlined, technology-led residential financing advice. Overlaps with Baufi24's online acquisition channel and FinLink's digital processing capabilities.
• Hypofriend: Berlin-based digital-first mortgage broker using AI and remote advisors to deliver a streamlined customer experience. Emerging threat to Bilthouse's more traditional Baufi24 advisor model with younger, digital-native customers.

Broad incumbents

• ImmoScout24: Germany's largest real estate listing platform with an integrated financing arm. Not a pure mortgage broker but a significant indirect competitor for property-buyer attention and lead flow feeding Bilthouse's Hüttig & Rompf partner network.

Others

• Accentro Real Estate: German real estate company active in apartment sales to private buyers, frequently requiring financing partners. Comparable to the lead-flow partners feeding Bilthouse's Hüttig & Rompf real estate partner network.

Regional players

• Starpool Hausverwaltung / Bon-Kredit: German consumer loan and mortgage intermediary operating in adjacent credit categories. Comparable to Kredit24 within the Bilthouse portfolio for private-loan cross-sell dynamics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/bilthouse-gruppe

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries6 records

Funding overview

Funding rounds1 record

Investors1 record

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 Bilthouse GmbH