OPTIFIN

What OPTIFIN does

OPTIFIN GmbH is an Austrian property financing advisory and mortgage brokerage platform headquartered in Graz/Fernitz-Mellach, founded by Mario Graf-Schantl in 2014. The company connects individual property buyers and refinancing homeowners with financing offers from its network of 60+ directly contracted banks and building societies (Bausparkassen), augmented by a wider network of 400+ bank partners accessed through its realfinanz partnership. OPTIFIN operates a sales-led go-to-market model in which customer inquiries submitted via website form, hotline (0800 999 195), or partner referrals are routed to certified regional financing specialists located across all 9 Austrian states, who provide in-person or digital consultations, compare offers across the partner bank network, and accompany clients through contract signing.

Underlying the service is a web-based mortgage comparison and inquiry routing platform with 256-bit SSL encrypted transmission, a suite of seven digital financial calculators (mortgage, household, housing costs, credit comparison, rent vs. buy, ancillary costs, refinancing), and a Partner Dashboard providing affiliates with daily updated lead statistics. The product portfolio spans construction financing (Baufinanzierung), home credit (Hauskredit), refinancing (Hauskredit umschulden/Umschuldung), renovation credit (Sanierungskredit), investment property financing (Vorsorgewohnung), building society loans (Bauspardarlehen), and interim financing (Zwischenfinanzierung), complemented by educational content marketing, a Zinsnewsletter interest-rate newsletter, and active social media presence on Facebook, Instagram, and YouTube.

The revenue model is commission-based: OPTIFIN receives a share of the bank's standard processing fee (Bearbeitungsgebühr) on each completed financing, plus referral commissions from its partner/affiliate program targeting real estate agents, insurance agents, and website operators. The service is free for customers until contract signing. The company is privately held with no disclosed external funding; co-Managing Directors Mario Graf-Schantl and Martin Höllinger lead operations across an 11-50 employee base.

Name

OPTIFIN

Legal name

OPTIFIN GmbH

Website

https://optifin.at

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

OPTIFIN is an Austrian mortgage brokerage that connects individual property buyers and refinancing homeowners with financing offers from 60+ bank partners and a 400+ bank network via realfinanz, using certified regional specialists across all 9 Austrian states and earning commission only on completed loans.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage and Property Financing Advisory

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Real Estate Credit (522292)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Debt & Structured Finance / Mortgage Brokerage (BPAJABAK), Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Mortgage brokerage
• Property financing
• Loan comparison
• Real estate financing
• Home loan advisory

Headquarters

HQ city

Premstatten

HQ country

Austria

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Bank Commission Sharing: OPTIFIN receives a share of the processing fee (Bearbeitungsgebuehr) charged by the lending bank or building society when a financing contract is signed. Customers pay no additional fee for OPTIFIN's services as this commission is part of the standard bank processing fee that the bank charges anyway. The fee only applies after contracts are signed and financing is completed.
2. Partner/Referral Fees: OPTIFIN operates a partner program where website operators, real estate agents, insurance agents, and other partners refer customers interested in property financing. Partners receive commission after successful loan completion, with above-industry-average payouts.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

OPTIFIN is Austria's largest credit broker for property financing, connecting prospective borrowers with certified regional financing specialists who compare mortgage and home loan offers from more than 60 partner banks. The service covers construction financing, home loans, refinancing, building society loans, renovation credit, fixed-rate mortgages, interim financing, and investment property financing, and is provided free of charge to the customer. The company supports borrowers from initial request through contract signing, while a separate partner program enables referral partners (e.g., real estate and insurance agents) to earn commissions on concluded contracts.

Product overview

OPTIFIN operates as an Austrian mortgage financing advisory platform offering a unified service model combining digital calculators with personal on-site consultation across Austria. The core offering consists of multiple online calculators (Wohnkreditrechner, Haushaltsrechner, Haus kostenrechner, Kreditvergleich, Mieten oder Kaufen Rechner, Nebenkostenrechner, Umschuldungsrechner) for assessing financing capacity, comparing offers, and estimating costs. These digital tools are complemented by a network of certified financing specialists providing personalized advice in all Austrian regions. The service portfolio spans construction financing (Baufinanzierung), home credits (Hauskredit), renovation loans (Sanierungskredit), investment property financing (Vorsorgewohnung finanzieren), building society loans (Bauspardarlehen), interim financing (Zwischenfinanzierung), and mortgage refinancing (Umschuldung). OPTIFIN aggregates offerings from over 80 banking partners to provide comparative recommendations, supported by regional specialists who conduct consultations and accompany clients through contract signing. The platform also offers a Partner Dashboard for affiliate partners to track leads and statistics.

Differentiator

Problem solved

Functional benefit

Products and services

• Construction Financing (Baufinanzierung)
• Building Society Loan (Bauspardarlehen)
• Home Loan / Mortgage (Hauskredit)
• Mortgage Refinancing (Hauskredit umschulden)
• Renovation Loan (Sanierungskredit)
• Investment Property Financing (Vorsorgewohnung finanzieren)
• Interim Financing (Zwischenfinanzierung)
• Fixed-Rate Loan (Fixzinskredit)
• OPTIFIN Partner Program

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• realfianzcoreTechnology or Integrationrealfianz is a network organization that provides OPTIFIN with access to over 400 bank partners for property financing comparisons. Through this partnership, OPTIFIN can offer pre-negotiated conditions not typically available to individual borrowers. The regional financing specialists utilize realfianz's banking network to find optimal offers for customers.
• Aurenda Living GmbH (RE/MAX Motion)minorGTM or Marketing PartnerOPTIFIN collaborates with Aurenda Living GmbH (operating as RE/MAX Motion) to offer customers complementary real estate mediation services. When customers provide explicit consent, OPTIFIN shares contact details and property transaction information with this partner.
• 60+ Partner BankscoreChannel Partner/ Reseller/ DistributorOPTIFIN maintains partnerships with over 60 banks and building societies (Bausparkassen) in Austria, allowing the company to compare offers across the banking network and present customers with optimal financing options. Long-standing relationships with these banks enable pre-negotiated conditions.
• Regional Financing Specialists NetworkcoreChannel Partner/ Reseller/ DistributorOPTIFIN works with certified financing specialists across all 9 Austrian states (Burgenland, Carinthia, Lower Austria, Upper Austria, Salzburg, Styria, Tyrol, Vorarlberg, and Vienna). These specialists are independently operating experts selected for competence and training in property financing who provide personalized consultation.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Others

• financeAds: Affiliate marketing network for financial products, including mortgages. Comparable to OPTIFIN's partner/affiliate program mechanics but operating as a cross-vertical affiliate infrastructure provider rather than a direct broker.

Direct peers

• Interhyp: Germany's largest independent mortgage broker, comparing offers from hundreds of banks through personal advisors. Closely comparable business model to OPTIFIN but at substantially larger scale in Germany.
• Dr. Klein Privatkunden AG: German mortgage and consumer finance broker with a regional advisor network similar in structure to OPTIFIN's specialist network, aggregating offers across many partner banks.
• Baufi24: Digital-first German mortgage broker with regional advisor support, directly comparable to OPTIFIN's hybrid digital-plus-local-specialist model.
• Hüttig & Rompf: German construction financing broker with a branch-based advisor network that arranges mortgages across multiple bank partners; structurally analogous to OPTIFIN's specialist channel.
• creditweb: Online mortgage broker for private customers in the DACH region, comparing offers from a broad bank panel — comparable core service to OPTIFIN though with a more digital-first delivery model.
• realfianz: Austrian/German mortgage broker network providing OPTIFIN with access to 400+ bank partners; operates a similar bank-aggregation model and serves as both partner and indirect competitor in overlapping regions.

Broad incumbents

• Check24: Large German price-comparison portal that includes mortgage/financing products among many categories. Overlaps with OPTIFIN's calculator-driven top-of-funnel but operates across many verticals.
• Europace AG: German platform-as-a-service provider for mortgage distribution, serving brokers and banks. While not a direct retail competitor, Europace powers much of the infrastructure underlying models like OPTIFIN's.
• Verivox: German comparison portal covering financial products including mortgages. Provides similar comparison functionality to OPTIFIN's calculators but as part of a broader utility and insurance offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCDliuHHKO3Yg0j2BoyQletw
• Facebookfacebook.com/optifin.at
• Instagraminstagram.com/optifin.at
• LinkedInlinkedin.com/company/optifin

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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 OPTIFIN