House Plus Pension

What House Plus Pension does

HausplusRente GmbH is a Munich-headquartered, privately held financial services firm specializing in Immobilienverrentung (property monetization) for senior German homeowners, founded in 2009 by Otto Kiebler following development of the proprietary model between 2006 and 2008. The firm offers five distinct monetization products — lifelong Nießbrauch-based verrentung, time-limited Nießbrauch-based verrentung, sale with leaseback (Verkauf mit Rückmietung), partial sale of 10–50% of the property (Teilverkauf), and annuity-based sale (Verkauf auf Leibrente) — all structured around the legal right of Nießbrauch (§§ 1030 ff. BGB), which keeps the seller as the economic owner secured via land-registry entry while delivering a lump-sum Einmalzahlung from a private capital investor. Supporting modules include IHK-certified property valuations, an online Immobilienrechner, virtual tours, structured 9-step advisory, webinars, info events, and a downloadable information brochure.

Distribution is exclusively direct, delivered through a network of 19+ branches across major German cities staffed by certified verrentungsexperten who conduct in-person, in-home, or video consultations, complemented by an event-led demand generation engine (Infoveranstaltungen, webinars, SEO, paid digital, earned media in BR, Tagesspiegel, Die Welt, Focus, Münchener Merkur, Süddeutsche Zeitung). Revenue is generated through a transaction commission of 3.57% (incl. VAT) of property market value charged to both buyer and seller, billed only after payment receipt. The firm has advised 5,000+ customers and accompanied 2,000+ transactions since founding, with a stated 97% recommendation rate on Proven Expert and a 2022 #1 ranking in a bbw Hochschule scientific study of Immobilienverrenter.

The company is founder-controlled, with Otto Kiebler serving as geschäftsführender Gesellschafter; key management includes a Vertriebsleitung Deutschland, a Director of Administration & Management, a Marketing & CRM Manager, and roughly 25 named employees across sales, insurance, finance, reception, and project coordination. There are no disclosed funding rounds, no AI/ML technologies, no parent company, no subsidiaries, and no M&A activity — HausplusRente operates as a bootstrapped, founder-led advisory firm with regulatory licensing under §34c GewO and supervision by IHK München und Oberbayern.

Name

House Plus Pension

Legal name

HausplusRente GmbH

Website

https://hausplusrente.de

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

HausplusRente GmbH is a Munich-based, privately held German financial services firm that helps senior property owners aged 55+ unlock equity from their homes via Nießbrauch-based Immobilienverrentung, operating through 19 branches and certified verrentungsexperten nationwide, with revenue generated through transaction commissions.

Ownership category

akta.pro rank

Product category

Property Verrentung / Real Estate Equity Release Brokerage

NAICS

Offices of Real Estate Agents and Brokers (5312), Offices of Real Estate Agents and Brokers (53121)

SIC

Real Estate Agents & Managers (For Others) (6531)

akta.pro industry

PRIMARYBPAJAAAA

Traditional Residential Brokerage (Existing Homes)

Business & Public Services/Real Estate Services (Brokerage, Property Management)/Residential Real Estate Brokerage

SECONDARYBPAJAAAJ

Buyer Representation Services

Business & Public Services/Real Estate Services (Brokerage, Property Management)/Residential Real Estate Brokerage

Keywords

• Immobilienverrentung advisory
• Property verrentung services
• Senior real estate monetization
• Reverse mortgage alternatives
• Real estate brokerage

Headquarters

HQ city

München

HQ country

Germany

HQ region

Europe

Offices19 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Brokerage Commission (Verrentungsobjekte): HausplusRente charges a commission of 3.57% (including VAT) of the market value of the property for both the seller and the buyer (each pays 3.57%). Commission is only invoiced after the purchase price is received in the seller's account. This is the primary revenue stream.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels8 records

Core offering

HausplusRente brokers Nießbrauch-based Immobilienverrentung (property verrentung) for senior German property owners, delivering a lump-sum cash payout in exchange for sale of the property combined with a lifetime or time-limited Nießbrauch (right of use) secured by land-register entry. Services cover the full process from initial consultation through IHK-certified property valuation, buyer-matching with private capital investors, notary execution, and post-transaction support, operated from 19+ branches across Germany.

Product overview

HausplusRente is a specialized financial services company offering property pension (Immobilienverrentung) products primarily for senior property owners in Germany. The core offering centers on five distinct retirement models — lifelong Nießbrauch-based conversion, time-limited Nießbrauch conversion, sale with leaseback, partial sale, and annuity-based sale — all designed to unlock equity from real estate while allowing owners to remain living in their homes. The product portfolio is supported by a suite of complementary services including certified property valuations, an online property calculator, virtual property tours, in-person consultation, webinars, info events, and informational brochures. The company operates from 19 nationwide branch offices and its headquarters in Munich-Schwabing, serving clients across Germany through a structured 9-step process from initial consultation through notary completion and post-transaction support.

Differentiator

Problem solved

Functional benefit

Products and services

• Immobilienverrentung auf Nießbrauchbasis (Lebenslang) Lifetime Nießbrauch-based Immobilienverrentung model enabling property owners aged 65+ to convert their home into a high lump-sum payment while retaining lifelong, rent-free right of use. Ownership is protected by first-ranking Nießbrauch entry in the land register (equivalent to ownership under §§ 1030 ff. BGB).
• Immobilienverrentung auf Nießbrauchbasis (Befristet) Time-limited Nießbrauch-based Immobilienverrentung model allowing owners to use the property for a defined period (e.g., 10–15 years) before full buyer possession. Age-independent eligibility; payout amount calculated via statistical life expectancy and property market value.
• Verkauf mit Rückmietung Sale of the property at market value combined with a notarially certified rental agreement (excluding owner's-use termination rights) so the seller can stay an additional 1–5 years. Delivers an immediate lump-sum payment in exchange for transferring ownership.
• Teilverkauf Ihrer Immobilie Partial sale of 10–50% of property ownership with the buyer registered as co-owner in the land registry. The seller retains usage rights but must obtain co-owner consent for further sales or financing.
• Verkauf auf Leibrentenbasis Sale of the property with capital converted into a lifelong monthly annuity. The seller retains free residential use while ownership transfers to the buyer; annuity payments are taxable and subject to health insurance contributions.
• Immobilienbewertung / Wertermittlungsrechner Independent property valuation covering location, size, condition, features and market analysis, performed by IHK-certified (Chamber of Industry and Commerce) appraisers. Includes a free online calculator for preliminary estimates used to size verrentung payouts.

Quantifiable outcome

• Tax-free one-time payment for owner-occupied properties under current German law
• +3 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature3 records

Partnerships

Four partnerships are on record, tiered minor.

• IVD (Immobilienverband Deutschland)minorStrategic or Co-development PartnerHausplusRente displays the IVD logo on its 'Über uns' page as a recognized professional partner network. The IVD is the German immobility industry association representing brokers and property managers.
• SIB (Schiller Institut für Betriebswirtschaft)minorStrategic or Co-development PartnerListed as a professional partner on the HausplusRente website alongside IVD and BVFI.
• BVFI (Bundesverband für Immobilien)minorStrategic or Co-development PartnerListed as a professional partner on the HausplusRente website alongside IVD and SIB.
• Venue / Hotel Partners (various event locations)minorOthersInfo events are hosted at hotels and event venues across Germany including Hotel Maximilian's (Augsburg), Parkhotel (Bad Homburg), Aspria Berlin Ku'damm, Hotel Schindlerhof (Nürnberg), Sofitel Frankfurt Opera, and others.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Others

• Dr. Klein (Hypoport subsidiary): German financial product distribution platform for mortgages, insurance, and real-estate-adjacent financing products. Adjacent ecosystem participant whose customers include senior homeowners considering equity release, making it a relevant referral partner or indirect competitor for advisory-driven property monetization.

Direct peers

• Deutsche Leibrenten: Specialized German advisor offering Leibrente (life annuity) and property-verrentung solutions to senior homeowners. Comparable to HausplusRente in target market, advisory-led service model, and one-time lump-sum monetization product structure.
• Wertfabrik: German specialist broker focused on Immobilienverrentung and Teilverkauf (partial sale) for senior property owners. Directly competes with HausplusRente on the same customer persona and product category, using digital-first customer acquisition and similar commission-based pricing.
• ImmoLeibrente / Verrentung.de: Online-focused German platform providing property verrentung advisory and matching services to senior homeowners. Competes directly for the same niche with a more digital/lower-touch model than HausplusRente's branch-driven approach.
• Teilverkauf24 / MeinTeilverkauf: Specialist providers of Teilverkauf (partial property sale / property equity release), a product that directly overlaps with one of HausplusRente's five core models. Targets the same senior homeowner segment with a more transaction-light, faster-execution alternative.

Emerging players

• Homeday: Digital German residential brokerage offering flat-fee brokerage services to homeowners. Competes for transaction-based revenue in residential real estate and exposes HausplusRente to potential disruptor pressure on commission pricing economics.
• McMakler: Tech-enabled German residential real estate brokerage targeting modern buyers and sellers with a hybrid digital/local model. Provides market overlap on transaction-based brokerage economics, though its customer profile skews younger than HausplusRente's senior clientele.

Broad incumbents

• Engel & Völkers: Established German-headquartered premium real estate brokerage franchise with global reach. Comparable in residential brokerage services (valuation, marketing, transaction coordination) and target customer overlap, but operates across residential price segments rather than specializing in senior verrentung.
• Wüstenrot & Württembergische: Large German financial services and home-finance provider offering real estate brokerage, financing, and building-society products. While not a verrentung specialist, Wüstenrot serves the same senior demographic with overlap in property valuation, financing-adjacent products, and a national branch footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@hausplusrente
• Facebookfacebook.com/HausplusRenteGmbH
• LinkedInlinkedin.com/company/hausplusrente

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 House Plus Pension