What Germo Görtz does

Görtz-Invest is a Berlin-based mortgage and real estate financing brokerage (Darlehensvermittler) operated by Germo Görtz as a sole proprietorship, with the firmographic founding date of 1996 and active registration under §34c, §34i and §34f of the German Trade Regulation Act (GewO) via DIHK. The core offering is intermediation of Immobiliardarlehen (mortgage loans) and Ratenkredite (installment loans) sourced from a network of 500+ bank partners, with specialised structures including 100% financing (80% bullet loan with Tilgungsersatz plus 20% KfW 124), Vollfinanzierung (110% including ancillary costs), and difficulty-case lending for self-employed applicants, non-EU foreigners with temporary residence permits, and clients with adverse credit profiles. Customer segments are individual homebuyers, property investors, and Heilberufe (healthcare professionals) on preferential terms.

The business runs as a direct-to-consumer, sales-led consultancy: customers book free online consultations via Calendly, receive a tailor-made financing concept, and the firm earns transaction commissions paid by the bank product partners. Adjacent revenue streams include a Tippgeber referral programme paying 30% of commission to external referrers, Autoselect ETF portfolio referrals via MorgenFund (DWS), and partner fees on Restnutzungsdauergutachten (remaining useful life appraisals). There is no proprietary technology platform — operations rely on Calendly for scheduling, FinCRM for lead management, ThinkImmo/Sprengnetter for property meta-search across 340,000+ listings, and Power BI for internal investment modelling.

Distribution combines the goertz-invest.de content hub (SEO, blog, financing calculators) with YouTube, LinkedIn, Xing, Facebook, Telegram and WhatsApp, supported by partnerships with Earlybird Immobilienberatung (off-market properties), immotege (difficult cases), and heykaution (rental deposit accounts). Service is delivered in German, Russian and English. The founder also operates a related IT consulting firm AISBERG (Microsoft-centric) and a personal real estate analysis site, der-Immobilien-Investor; the real estate financing line is described as his second business.

Name

Germo Görtz

Legal name

Germo Görtz

Website

https://goertz-invest.de

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

Görtz-Invest is a Berlin-based mortgage and real estate financing brokerage operated as a sole proprietorship by Germo Görtz, intermediating loans from 500+ German bank partners for individual homebuyers, property investors, and Heilberufe (healthcare professionals), with specialisation in 100% financing and difficult-case lending.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Offices of Real Estate Agents and Brokers (531210), Real Estate Credit (522292)

SIC

Loan Brokers (6163), Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Commercial & Multifamily Mortgage Brokers (FSALABAB)

akta.pro secondary industries

Residential Investment Property Brokerage (SFR/Small Multifamily) (BPAJAAAE), Multifamily Brokerage (BPAJABAD)

Keywords

• Real estate financing
• Mortgage brokerage
• Installment loans
• 100-percent financing
• Healthcare professional financing

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage/Real Estate Loan Mediation Commission: Görtz-Invest earns commissions from banks and financial product partners for mediating Immobiliardarlehen (mortgage loans) and Ratenkredite (installment loans). These commissions are paid by the bank's product partners, not by the customer. The company explicitly states 'Die Vermögensberater nehmen keine Kundengelder entgegen. Zahlungen erfolgen direkt von den Kunden an die jeweiligen Produktpartner.' (Advisors do not receive customer funds. Payments go directly from clients to product partners.)
2. Referral Fees - Autoselect / Investment Products: Görtz-Invest refers clients to the MorgenFund Autoselect investment platform and earns referral fees for directing customers to open investment portfolios. The company receives a small commission when clients use the Gutscheincode 'goertz50' for Restnutzungsdauergutachten services.
3. Tippgeber (Referral) Commission: The Tippgeber program pays referrers 30% of Görtz-Invest's commission when a referred client's financing is successfully closed.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Görtz-Invest brokers residential real estate financing for private clients in Germany by sourcing and structuring mortgage and installment-loan products from more than 500 bank partners. It specializes in 100% financing, full financing (including ancillary costs), financing for healthcare professionals, and difficult financing cases (self-employed, non-EU foreigners, SCHUFA issues, special property types such as monuments and care homes). Clients receive free advisory, document preparation, and access to a 340,000+ listing property meta-search with automated Sprengnetter valuations.

Product overview

GöGertz-Invest operates as a mortgage and real estate financing brokerage (Finanzierungsvermittler) with access to 500+ German banks. The core offering combines Immobilien-Finanzierung (property financing) and Ratenkredite (installment loans) with the Vermögensaufbau durch Investition platform for integrated wealth building. Key specialized products include 100%-Finanzierung (100% financing without down payment), Vollfinanzierung (full financing including ancillary costs), and Finanzierung für Heilberufe (healthcare professional financing). The platform also includes property search tools (Immobilien-Meta-Suche via ThinkImmo), investment property offerings (Denkmalschutz, Pflegeimmobilien), capital acquisition services, and the Autoselect ETF portfolio integration via MorgenFund for wealth management. Additional tools include financing calculators, living space calculators, remaining useful life assessments, and a referral program. Services are provided in German, Russian, and English.

Differentiator

Problem solved

Functional benefit

Products and services

• Immobilien-Finanzierung (Property Financing) Mortgage and real estate financing brokerage for German private clients, providing access to products from 500+ banks including 100% financing, full financing (including ancillary costs) and KfW government programs.
• Ratenkredite (Installment Loans) Personal installment loans for free use, car financing, debt consolidation or modernization, including restructuring of existing loans, sourced via the same 500+ bank network.
• Vermögensaufbau durch Investition (Wealth Building through Investment) Integrated wealth-building service combining leveraged real estate investment, securities (stocks, bonds, ETFs via investment funds) and savings products, including Autoselect ETF portfolio management via MorgenFund.
• 100%-Finanzierung (100% Financing) Specialized financing structure using an 80% bullet loan with replacement amortization plus a 20% KfW 124 loan, designed to minimize monthly payments and preserve client equity.
• Vollfinanzierung (Full Financing) Property financing covering the full transaction including ancillary costs (notary, land transfer tax, broker commission), also referred to as 110% financing.
• Finanzierung für Heilberufe (Healthcare Professional Financing) Special mortgage conditions for academic healthcare professionals including doctors, pharmacists, dentists, veterinarians, psychotherapists (plus students and retirees in these fields), with 100% financing at preferential rates.
• Kapitalbeschaffung (Capital Acquisition) Capital-raising advisory using property as collateral, including blank loans without land charge and renovation financing.
• Restnutzungsdauergutachten (Remaining Useful Life Assessment) Certified expert appraisal to document a shorter remaining useful life of a property, increasing tax depreciation for landlords and commercial users.
• Finanzierung in schwierigen Fällen (Difficult Case Financing) Specialized financing solutions for challenging scenarios including self-employed applicants, temporary residence permits, Blue Card holders, SCHUFA issues and non-standard property types.
• Exklusive Immobilien als Kapitalanlage (Exclusive Capital Investment Properties) Access to off-market and exclusive investment property opportunities including protected monuments (Denkmalschutz), care homes (Pflegeimmobilien) and serviced apartments with tax advantages, sourced via Earlybird Immobilienberatung partnership.
• Tippgeber (Referral Program) Referral program paying 30% of Görtz-Invest's commission to referrers who successfully connect clients seeking financing, using personalized tracking links.
• Autoselect Investment Portfolio (via MorgenFund / DWS) Digital ETF-based wealth management service with up to 19 investment strategies, accessible from €400 lump sum or €50 monthly, with a 1.20% management fee; referred clients generate affiliate revenue for Görtz-Invest.

Quantifiable outcome

• Customers find properties 4x faster using the meta-search compared to comparable solutions
• +1 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Partnerships

Five partnerships are on record, tiered minor.

• Earlybird Immobilienberatung Peter MüllerminorStrategic or Co-development PartnerReferral partnership for exclusive off-market property investment opportunities. In a personal online appointment, Earlybird explains the specifics, advantages, and disadvantages of investing in capital investment properties off-market.
• immotegeminorStrategic or Co-development PartnerPartnership for handling difficult financing cases ('Knackpunkte'). immotege collaborates with Görtz-Invest on financing cases that require specialized structuring expertise beyond standard products.
• MorgenFund (Autoselect)minorGTM or Marketing PartnerAutoselect powered by MorgenFund is a digital investment platform recommended to clients as an alternative to using equity for mortgage down payments. Görtz-Invest earns referral fees for directing clients to open investment portfolios.
• HeykautionminorGTM or Marketing PartnerHeykaution is a free digital rental deposit account (Mietkautionskonto) partner. Görtz-Invest recommends it to clients as a free, legally secure, fast solution for rental deposits.
• AISBERG (Related Company)minorOthersAISBERG is Germo Görtz's first business line: an IT consulting company 100% dependent on Microsoft technologies. AISBERG is the related company through which Germo Görtz's primary professional expertise is channeled. Der Immobilien-Investor (der-immobilien-investor.de) is a separate personal investment analysis website run by the same individual.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• immotege:

Direct peers

• Dr. Klein Privatkunden: Established German mortgage and consumer finance broker providing Baufinanzierung and Ratenkredite via a multi-bank panel. Closely comparable business model to Görtz-Invest across residential mortgage intermediation.
• Baufi24: Online-first German mortgage broker aggregating multiple bank offers for residential financing. Comparable to Görtz-Invest's residential mortgage intermediation offering, with a stronger digital self-service orientation.
• PlanetHome: German broker and real estate services firm offering Baufinanzierung alongside brokerage and investment property services. Comparable to Görtz-Invest's investor-focused financing proposition.
• Interhyp: One of Germany's largest independent mortgage brokers, brokering construction financing across a broad panel of banks. Direct competitor to Görtz-Invest in multi-bank residential mortgage intermediation, but at substantially greater scale and with proprietary digital tooling.
• Hüttig & Rompf: Long-standing German mortgage and real estate broker operating across multiple regional offices. Compares to Görtz-Invest as a residential mortgage intermediary serving owner-occupiers and investors.

Broad incumbents

• ImmoScout24 (Financing): Germany's largest property portal, which also surfaces financing options and partners. Adjacent competitor for property-search-driven financing demand that Görtz-Invest's Immobilien-Meta-Suche targets, but embedded in a much larger property-listing business.
• Verivox (Baufinanzierung): German comparison portal with a Baufinanzierung offering that brokers residential mortgages across multiple banks. Comparable end-product to Görtz-Invest but within a wider utilities/telecom/finance comparison marketplace.
• CHECK24 (Baufinanzierung): Large German price-comparison platform whose Baufinanzierung vertical offers multi-bank mortgage brokering. Competes with Görtz-Invest across the same end-customer use cases but as part of a much broader insurance, banking, and consumer comparison portfolio.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• GitHubgithub.com/aisbergde
• YouTubeyoutube.com/@goertz-invest
• Facebookfacebook.com/goertz.invest.de
• LinkedInlinkedin.com/company/germo-goertz

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Germo Görtz