Roth-Finanz

What Roth-Finanz does

Roth-Finanz (legal entity: Finanz- GmbH Roth) is a privately held, bank-independent financial advisory firm headquartered in Berlin-Marzahn, with a second office in Berlin-Charlottenburg. The company is a regulated Versicherungsmakler (§34d GewO, registration D-2NP7-6N6Z8-20) and Immobiliardarlehensvermittler (§34i GewO, registration D-W-107-IK3T-87), supervised by Bezirksamt Marzahn-Hellersdorf von Berlin. It was founded in 2017 and operates with 11-50 employees. The firm is led by Beatrix Roth as sole Geschäftsführerin; Kathleen Gypser runs the office and insurance operations.

The company's core offering is bank-independent real estate financing brokerage (Baufinanzierung) covering new construction, existing property purchase, follow-up/bridge financing, KfW subsidies, capital release, capital investment properties, land purchase, and divorce-related restructuring. Adjacent lines include a regulated insurance brokerage (Hausrat, Haftpflicht, Bausach, Wohngebäude) and a suite of other loans (Privatkredit, Modernisierung, Kfz, Nachrangdarlehen, Eigenkapitalersatzdarlehen). Service is delivered through in-person advisory at two Berlin offices, video consultation, WhatsApp, and an online appointment booking system (meetings.roth-finanz.de); lead generation is supported by a Prohyp-powered suite of free online financial calculators and a content blog. The firm discloses no proprietary technology platform.

Roth-Finanz is monetized entirely through transaction fees: commissions from financing banks on successfully placed mortgage and construction loans, and commissions from insurance carriers on placed policies. Advisory consultation is free to the customer. The firm is bank-independent (bankenunabhängig), explicitly contrasting its model with tied bank advisors by comparing offers across multiple bank partners. No external investment, parent company, M&A, or public listing is evident; ownership remains with the founder.

Name

Roth-Finanz

Legal name

Finanz- GmbH Roth

Website

https://roth-finanz.de

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Roth-Finanz is a bank-independent financial advisory firm in Berlin that brokers real estate financing, follow-up loans, and insurance to German individuals, families, and small property investors, earning commissions from partner banks and insurers.

Ownership category

akta.pro rank

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from banks (Baufinanzierung Vermittlung): Roth-Finanz receives a commission from the financing bank when a mortgage or construction loan is successfully placed. This is the primary revenue stream and makes the initial consultation free for customers. The company explicitly states: 'Bei einer erfolgreichen Vermittlung erhalten wir eine Provision von der entsprechenden Bank bzw. Versicherungsgesellschaft. Somit ist unsere Beratung für Sie völlig kostenfrei.'
2. Commission from insurance companies (Versicherungsvermittlung): The company also acts as a licensed insurance broker (Versicherungsmakler mit Erlaubnis nach § 34d Abs. 1 GewO, registration number D-2NP7-6N6Z8-20) and earns commissions from insurance companies for placed insurance products (home contents, liability, building, residential building, and other insurance policies). Consultation is free for customers as commissions are paid by the insurer upon successful placement.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Roth-Finanz (Finanz- GmbH Roth) is a bank-independent financial advisory and brokerage firm that intermediates construction and real estate financing, follow-up refinancing, new build financing, KfW subsidized loans, capital raising, and related personal/vehicle/modernization loans for German individuals and families, and also brokers household, liability, construction-phase, and residential building insurance. The firm compares offers from multiple banks and insurance carriers to find individually tailored solutions, provides all advisory services free of charge to clients, and earns commissions from partner banks and insurers upon successful placement.

Product overview

Roth-Finanz (Finanz- GmbH Roth) is a bank-independent financial advisory firm based in Berlin offering a comprehensive portfolio of financing and insurance services. The core offering consists of Baufinanzierung (construction and real estate financing) — including Anschlussfinanzierung, Neubaufinanzierung, Finanzierung bei Hauskauf, KfW-Förderung, Grundstücksfinanzierung, Kapitalanlage, Kapitalbeschaffung, and Finanzierung bei Scheidung — alongside a Versicherung (insurance) division covering household, liability, construction, and residential building insurance, and a Sonstige Kredite (other loans) range including Privatkredit, Modernisierungskredit, Kfz-Finanzierung, Nachrangdarlehen, and Eigenkapitalersatzdarlehen. The company differentiates through bank independence, comparing offers from multiple financial partners to find individually tailored solutions, and provides all advisory services free of charge to clients (commission paid by the financial partner). As a complementary digital service, Roth-Finanz offers a suite of Online-Finanzrechner/Servicetools (financial calculators) for budget planning, amortization calculation, interest rate checking, and property value assessment, powered by Prohyp GmbH (eHyp).

Differentiator

Problem solved

Functional benefit

Products and services

• Baufinanzierung (Construction/Property Financing Advisory) Bank-independent advisory and intermediation for construction and real estate financing covering new construction, existing property purchase, follow-up financing, capital release, KfW subsidies, land purchase, and investment property financing. Targets German individuals and families buying, building, or refinancing residential property.
• Anschlussfinanzierung (Follow-up/Refinancing) Advisory for restructuring existing property loans when the initial fixed-rate period ends, enabling clients to lock in favorable terms up to five years before the binding period expires. For existing property owners approaching the end of their initial interest rate fixation.
• Neubaufinanzierung (New Build Financing) Tailored financing concepts for new construction projects, identifying the most suitable credit institution for each building project. For clients building a new home.
• Finanzierung bei Hauskauf (Home Purchase Financing) Advisory service for purchasing existing properties, comparing conditions across multiple banks to find the best rates for individual buyers. For clients acquiring a built home or apartment.
• KfW-Förderung (KfW State Subsidies Advisory) Advisory on KfW-sponsored subsidized loans and grants for energy-efficient construction, modernization, and solar installations, including programs 261/262 (Wohngebäude/Heizung), 461, and 431. For clients seeking subsidized public financing.
• Grundstücksfinanzierung (Land/Plot Financing) Financing solutions for purchasing building plots, available as fixed-rate or variable-rate loans adaptable to the client's construction timeline. For clients acquiring land ahead of building.
• Kapitalanlage (Capital Investment Property Financing) Investment strategy advisory for financing properties as capital investments, including rental properties and self-used real estate, with guidance on depreciation, tax advantages, and rental income. For private real estate investors.
• Kapitalbeschaffung (Capital Raising) Advisory on leveraging existing property assets to raise capital for renovation projects, extensions, or other major plans at favorable conditions. For existing property owners seeking to release equity.
• Finanzierung bei Scheidung (Divorce-Related Restructuring) Advisory on restructuring existing property loans during separation or divorce when life circumstances change and existing financing no longer fits. For clients navigating life changes affecting their property financing.
• Versicherung (Insurance Brokerage) Free insurance check and licensed insurance brokerage (Versicherungsmakler) covering Hausrat, Haftpflicht, Bausach, and Wohngebäude insurance, finding individually tailored and fair coverage from multiple insurers. For homeowners and prospective property buyers.
• Hausratversicherung (Household Contents Insurance) Insurance brokerage for household contents coverage, providing financial protection against damages to household goods and possessions. For property owners and tenants.
• Haftpflichtversicherung (Personal Liability Insurance) Insurance brokerage for personal liability coverage, providing protection against personal injury, property damage, and financial loss claims. For individuals and families.
• Bausachversicherung (Construction Site Insurance) Insurance brokerage for construction-phase coverage, providing financial protection against damages occurring during construction and the subsequent phase. For clients building a new property.
• Wohngebäudeversicherung (Residential Building Insurance) Insurance brokerage for residential building coverage, protecting homeowners against the financial consequences of building damage. For owners of completed residential property.
• Sonstige Kredite (Other Loans) Bank-independent advisory and intermediation for various personal and property-related credit needs beyond standard construction financing, including personal, modernization, vehicle, subordinated, and equity-replacement loans. For individuals needing non-mortgage credit solutions.
• Privatkredit (Personal Loan) Advisory and intermediation of personal loan products for diverse use cases, with monthly installment calculations tailored to the client's household budget. For individuals seeking unsecured consumer credit.
• Modernisierungskredit (Modernization Loan) Advisory and intermediation of financing for renovation, modernization, and Sanierung projects to increase property value. For property owners planning upgrade works.
• Kfz-Finanzierung (Vehicle Financing) Advisory and intermediation of financing solutions for new or used vehicles and all types of automobiles. For individuals purchasing cars or other vehicles.
• Nachrangdarlehen (Subordinated Loan) Advisory and intermediation of subordinated loans where the creditor bank ranks behind the primary financing bank in the land register, used when additional financing is needed for a property. For property buyers needing supplementary capital beyond the senior mortgage.
• Eigenkapitalersatzdarlehen (Equity Replacement Loan) Advisory and intermediation of loan products that substitute for missing equity in construction financing, without requiring land register security (Grundbuch), enabling clients to proceed with property purchase without accumulated savings. For buyers lacking full equity.

Quantifiable outcome

• 241 Google reviews with an average rating of 4.9/5 at the Berlin-Marzahn headquarters location
• +2 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Partnerships

Two partnerships are on record, tiered core.

• HubSpotcoreTechnology or IntegrationHubSpot (HubSpot Germany GmbH / HubSpot, Inc., USA) is used by Roth-Finanz for CRM, contact form processing, and online appointment booking via the subdomain meetings.roth-finanz.de. HubSpot processes personal data (name, contact details, message content, appointment information) for the purpose of inquiry handling, scheduling, and CRM documentation. Data processing may involve transfers to the USA, managed via Standard Contractual Clauses.
• Prohyp GmbHcoreTechnology or IntegrationProhyp GmbH (Domagkstr. 34, 80807 München) provides the online financial calculators embedded as iFrames on Roth-Finanz's website. These tools (Budgetrechner, Tilgungsrechner, Volltilgungsrechner, Zins-Check, Haushaltsrechner, Ratenkreditrechner, Sanierungsrechner, Immobilienwert-Rechner, Zinsverlauf) allow prospects to calculate financing parameters before their consultation. Data entered in the calculators may be transmitted to Prohyp and then to Roth-Finanz for inquiry handling.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Others

• Prohyp / eHyp: Mortgage platform providing both broker infrastructure (powers Roth-Finanz's calculators via iFrame) and direct customer-facing financing advisory. Comparable in Baufinanzierung delivery, with a partly overlapping customer base in German real estate financing.

Broad incumbents

• MLP: Large German financial advisory and brokerage group serving private and corporate clients across financing, insurance, and wealth management. Comparable in licensed financial advisory and insurance brokerage but operates on a broader, multi-advisor scale.
• CHECK24: Major German comparison portal with a Baufinanzierung vertical alongside insurance, banking, and energy products. Comparable in mortgage brokerage but on a much larger, multi-product scale with a primarily digital customer journey.
• Dr. Klein Privatkunden: Established German financial services broker providing mortgage and consumer credit advisory with a broad product portfolio. Comparable in Baufinanzierung brokerage but operates nationally with a wider product mix including insurance and investment advisory.
• Verivox: German price-comparison portal covering insurance, banking, energy, and Baufinanzierung. Comparable in offering bank-independent financing and insurance comparisons, though as a self-service portal rather than a personal-advisory broker.

Direct peers

• Baufi24: Online mortgage comparison platform offering Baufinanzierung advisory across multiple banks. Comparable in core service (bank-independent mortgage brokerage) but reaches customers primarily through a digital self-service funnel rather than personal advisory.
• PlanetHome: German real estate financing and brokerage firm focused on property financing for owner-occupiers and investors. Comparable in Baufinanzierung and Kapitalanlage advisory, with overlap in property-investor use cases Roth-Finanz serves.
• Interhyp: Germany's largest independent mortgage broker, comparing offerings from hundreds of banks for residential financing. Most direct peer given overlapping bank-independent value proposition and Baufinanzierung focus, though materially larger in scale.

Emerging players

• Hypofriend: Digital-first mortgage advisor combining algorithm-driven bank matching with human advisor support. Comparable in bank-independent Baufinanzierung advisory, but targets a more tech-savvy, mobile-first customer than Roth-Finanz's personal-consultation model.
• Baufinex: Smaller German digital mortgage broker providing Baufinanzierung comparison across multiple banks. Comparable in bank-independent residential financing brokerage at a similarly regional scale, competing for the same Berlin-Brandenburg homeowner segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/rothfinanz
• LinkedInlinkedin.com/company/roth-finanz

Compliance4 records

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 Roth-Finanz