What Interhyp does

Interhyp AG, founded in 1999 and headquartered in Munich, is Germany's largest private mortgage broker (Baufinanzierungsvermittler). The company operates a digital-first platform that aggregates and compares mortgage offerings from more than 500 lending partners — including private banks, Sparkassen, Volksbanken, Genossenschaftsbanken, and insurance companies — and matches them to individual customer financing needs for purchase, construction, refinancing, and modernization. Since inception, Interhyp has served over 2.1 million customers, with a reported average financed purchase price of €457,000, average interest binding period of 11.7 years, and average customer age of 39.

The technology stack is centered on a multi-lender comparison engine paired with a suite of self-service tools (mortgage, budget, amortization, buy-vs-rent, property valuation, renovation, and notary/land-registry calculators) and a cross-platform property search aggregating 350,000+ listings from 50+ portals. Advisory is delivered omnichannel: 700+ experts across 140+ physical branches, a toll-free phone line, and the Interhyp Home digital customer portal for document management. The January 2024 acquisition of real estate search engine ThinkImmo deepened the search-to-financing funnel. Interhyp also integrates German government subsidy architecture (KfW, BAFA, regional Landesf\u00f6rderung, Wohn-Riester, Wohnungsbaupr\u00e4mie) and publishes proprietary research including the Interhyp-IW Affordability Index and the annual Wohntraumstudie.

The business model is a transaction-fee commission paid by lending partners upon successful mortgage completion; the service is free to end customers. Go-to-market combines SEO/content marketing, social media (Facebook, Instagram, YouTube, TikTok), email (Zins-Radar), PR/awards (€uro best broker 08/2025; FMW Award 2026), and 140+ physical advisory locations. Customer segments span first-time buyers, existing owners seeking Anschlussfinanzierung, investment-property buyers, self-employed professionals, and civil servants. Headcount is reported in the 5,001–10,000 range, with revenue not publicly disclosed; ownership and shareholder composition are not detailed in available sources.

Name

Interhyp

Legal name

Interhyp AG

Website

https://interhyp.de

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Interhyp is Germany's largest private mortgage broker, comparing offerings from 500+ lenders for retail customers. The Munich-based firm serves over 2.1 million cumulative borrowers through 140+ branches, phone advisory, and digital tools, earning commission from lending partners.

Ownership category

akta.pro rank

Product category

Residential Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Mortgage brokerage services
• Home construction financing
• Interest rate comparison
• Property search platform
• Government subsidy advisory

Headquarters

HQ city

Munich

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Brokerage Commission from Lenders: Interhyp acts as a mortgage broker and receives a commission from the lending partner when a customer completes a mortgage financing. The company accelerates financing processes by handling advisory services and document verification. Interhyp does not charge customers for their brokerage services.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Interhyp operates as Germany's largest private mortgage broker, comparing offers from over 500 lending partners (private banks, savings banks, cooperative banks, insurance companies) to identify optimal financing conditions for residential property purchases, construction, and refinancing. The brokerage service is delivered free of charge to customers, with revenue earned through commissions paid by lending partners upon completion of mortgage financing. The offering is supported by an integrated property search engine with 350,000+ listings, a suite of online calculators, and digital customer workflow tools.

Product overview

Interhyp operates as Germany's largest private mortgage broker, offering a unified platform combining a comparison marketplace with personalized advisory services. The core offering includes Baufinanzierung (home construction financing) and Anschlussfinanzierung (refinancing), supported by tools like the Zinsvergleich (interest rate comparison), Budgetrechner (budget calculator), and Immobiliensuche (property search with 350,000+ listings). Government subsidy integration includes KfW Fördermittel, BAFA Fördermittel, and Regional Fördermittel programs. Advisory services are delivered through 700+ experts at 140+ locations. The ThinkImmo acquisition (January 2024) added real estate search capabilities. Additional tools include the Zins-Radar, Baufinanzierungsrechner, Tilgungsrechner, Sanierungsrechner, and Immobilienbewertung. Research products include the Erschwinglichkeitsindex and Wohntraumstudie.

Differentiator

Problem solved

Functional benefit

Products and services

• Baufinanzierung (Home Construction Financing) Core mortgage financing product that compares offers from over 500 lenders to identify optimal conditions for purchasing, building, or renovating residential property in Germany, offered free of charge to private customers.
• Anschlussfinanzierung (Follow-up Financing) Refinancing service for homeowners whose initial fixed-rate period is ending, offering comparison of over 500 lenders to secure optimal follow-up financing terms.
• Modernisierungskredit (Modernization Loan) Specialized loan product for property modernization and renovation projects, integrated with government subsidy programs (KfW, BAFA) for energy-efficient upgrades.
• Forward-Darlehen (Forward Loan) Forward mortgage product allowing German homeowners to lock in current interest rates up to 66 months before their existing loan's fixed-rate period ends.
• Persönliche Beratung (Personal Consultation) In-person and remote advisory service provided by more than 700 financial experts at over 140 locations across Germany, offering individualized financing plans, lender comparison, and loan completion support.
• Immobiliensuche (Property Search) Cross-platform property search engine aggregating over 350,000 listings from 50+ real estate platforms, with automated email alerts and price/rendite assessments integrated into the financing workflow via ThinkImmo.

Quantifiable outcome

• Average purchase price financed: 457,000 Euro
• +5 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• ThinkImmocoreStrategic or Co-development Partner · 1 January 2024ThinkImmo is a real estate search engine that joined the Interhyp Group from January 2024. The platform offers extensive real estate listings and aims to strengthen Interhyp's market position in private mortgage financing by integrating property search with financing services.
• Regional State-Level Housing Promotion (Landeswohnungsbauförderung)minorChannel Partner/ Reseller/ Distributor · 27 November 2023State and regional housing promotion programs across Germany's 16 federal states offer subsidized loans and grants. Interhyp helps customers identify and apply for relevant regional programs in their specific state.
• 500+ Lending Partners (Banks, Savings Banks, Insurance Companies)coreChannel Partner/ Reseller/ DistributorInterhyp maintains partnerships with over 500 lending institutions including private banks (Privatbanken), savings banks (Sparkassen), cooperative banks (Volksbanken, Genossenschaftsbanken), and insurance companies. These partners provide mortgage products that Interhyp compares and offers to customers, paying commissions upon successful financing completion.
• KfW (Kreditanstalt für Wiederaufbau)coreStrategic or Co-development PartnerKfW is Germany's government development bank providing subsidized loans for energy-efficient construction, renovation, and home ownership. Interhyp helps customers access and apply for various KfW programs (124, 261, 296, 297/298, 300, 308, 159, 458, 358/359) as part of their financing solutions. KfW funding is integrated into Interhyp's financing offerings.
• BAFA (Bundesamt für Wirtschaft und Ausfuhrkontrolse)minorStrategic or Co-development PartnerBAFA provides subsidies for energy-efficient building improvements (BEG EM - Bundesförderung für effiziente Gebäude Einzelmaßnahmen). Interhyp advises customers on accessing BAFA grants for building envelope, building networks, technical systems, and heating optimization.
• Energy Efficiency Experts (Energieeffizienz-Expertinnen/-Experten)minorImplementation/ SI/ Consulting PartnerCertified energy efficiency experts who provide required technical documentation and project verification for BAFA and KfW subsidies. Interhyp partners with these experts to help customers access government grants for energy-efficient renovations.
• Fuchs & Eule (BAFA Advisory Partner)minorImplementation/ SI/ Consulting PartnerRecommended partner for BAFA advisory services. Energy consulting partner that Interhyp recommends for customers needing expert guidance on energy-efficient renovation projects eligible for BAFA subsidies.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Europace AG: Europace is a leading German mortgage transaction platform (owned by Deutsche Bank's DB Bauspar) connecting brokers, banks and consumers. It competes with Interhyp on the technology/transaction layer for residential mortgage origination in Germany.
• Finanzcheck.de: Finanzcheck is a German online comparison and brokerage platform focused on consumer credit and mortgages. It targets the same digital-first customer segment as Interhyp's self-service funnel with a leaner cost structure.
• PlanetHome Group: PlanetHome provides real estate brokerage, financing brokerage and property management in Germany. It overlaps directly with Interhyp on the residential mortgage-brokerage offering and serves property investors and owner-occupiers.
• Baufi24: Baufi24 is a German online mortgage broker that displaced Interhyp as Euro magazine's 'Bester Vermittler' in 2026. It offers a direct comparable product — comparison of lender offers with a digital-led GTM — competing head-to-head for the same private mortgage customers.
• Dr. Klein Privatkunden AG: Dr. Klein is a long-standing German mortgage and insurance broker with a multi-channel advisory model. It targets the same residential-mortgage customer segments and is regularly cited alongside Interhyp in best-broker rankings.

Broad incumbents

• Verivox: Verivox is a major German comparison portal for financial, insurance and energy products including Baufinanzierung. It is a broad incumbent serving the same customer need (mortgage comparison) but as part of a wider product portfolio.
• Check24 Vergleichsportal: Check24 is Germany's largest general comparison portal with mortgage financing as one of many product verticals (insurance, banking, energy, travel). It competes for the same financing customers through a broad incumbent platform rather than as a specialist.
• Schwäbisch Hall (Bausparkasse): Schwäbisch Hall is Germany's largest Bausparkasse (building society) and part of the DZ Bank group. It is both a lending partner and a competitor offering subsidized home-financing products that overlap with Interhyp's KfW-integrated offerings.
• ING-DiBa: ING-DiBa is Germany's largest direct bank and a significant mortgage lender. As a major Interhyp lending partner it is also a competitor for direct, no-broker mortgage applications — representing the lender-disintermediation risk.

Emerging players

• Hometogo / Vermietet.de: Emerging German property/financing platforms in the proptech space that aggregate listings and increasingly bundle financing offers. They represent the next-generation digital competition to Interhyp's property-search-plus-financing proposition built around ThinkImmo.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@InterhypAG
• Facebookfacebook.com/Interhyp
• Instagraminstagram.com/interhypofficial
• TikToktiktok.com/@interhypofficial
• Xx.com/interhyp

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors1 record

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 Interhyp