Haus Finanz Kontor

What Haus Finanz Kontor does

Haus Finanz Kontor GmbH is a bank-independent mortgage and real estate financing brokerage headquartered in Bad Oeynhausen, Germany. Founded in 2006 and operating under FONDSNET Gruppe ownership since 2022, the company serves private individuals, commercial borrowers, medical professionals, freelancers, and expats seeking residential or commercial property financing in Germany. Its core service is intermediating loan applications across a network of more than 700 banks, insurance companies, and building societies, identifying the best rate and structuring each deal with integration of public subsidies (e.g., KfW) where applicable.

The company's three principal product lines are Immobilienfinanzierung (private residential financing), Gewerbefinanzierung (commercial real estate financing for warehouses, production facilities, offices, and medical practices), and Individualfinanzierung (custom financing for complex cases such as healthcare professionals, freelancers, and foreign-currency-earning expats). A complementary Finanzierungsrechner online calculator supports top-of-funnel lead generation. No proprietary technology platform is described; service delivery rests on human expert advisory supported by fully digital connectivity to lending partners enabling 24-48 hour binding financing assessments when documentation is complete.

Revenue is generated primarily through transaction-based commissions paid by partner banks upon successful loan intermediation, with occasional separate fees disclosed in advance for complex commercial or bespoke individual financing projects. Standard consultation and individual financing concept creation are provided free to end customers. The company operates from a single Bad Oeynhausen office but serves customers nationwide via in-person and video consultation, and has extended reach through a B2B offering that supplies independent financing brokers with service and technology packages backed by its lender network.

Name

Haus Finanz Kontor

Legal name

Haus Finanz Kontor GmbH

Website

https://hausfinanzkontor.de

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Haus Finanz Kontor is a German bank-independent mortgage and real estate financing brokerage, intermediating loans from 700+ partner banks for private, commercial, medical-professional, freelancer, and expat borrowers. Revenue comes primarily from lender commissions on closed financings, with B2B services for other brokers.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

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

akta.pro primary industry

Home Equity & HELOC Intermediaries (FSALABAE)

Keywords

• Real estate financing
• Mortgage brokerage
• Construction financing
• Commercial financing
• Financing advisory

Headquarters

HQ city

Bad Oeynhausen

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission from Bank Partners: The company receives commissions directly from partner banks upon successful loan intermediation. This is a transaction-based revenue model where the company earns a success fee for each financing contract closed through their network of 700+ lenders.
2. Consulting Fees for Complex Cases: Standard consultation and creation of individual financing concepts are free for customers. However, for complex commercial projects or special individual financing, a separate fee or processing charge may apply. This is communicated transparently and in advance.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Haus Finanz Kontor is a bank-independent mortgage and real estate financing brokerage that compares offers from more than 700 banks, insurance companies, and Bausparkassen to arrange residential, commercial, and complex-case financing for its customers. It provides personalized advisory services, integration of KfW and state subsidies, and long-term follow-up support such as follow-up financing and forward loans. Revenue is generated primarily through commissions from partner banks on successfully intermediated loans, with separate fees for complex commercial projects.

Product overview

Haus Finanz Kontor is a bank-independent mortgage and real estate financing brokerage firm offering three integrated service lines: Immobilienfinanzierung (private residential financing), Gewerbefinanzierung (commercial real estate financing), and Individualfinanzierung (custom financing for complex cases such as healthcare professionals, freelancers, and expats). All services leverage a network of over 700 lending partners (banks, insurers, and Bausparkassen). An online Finanzierungsrechner (financing calculator) is provided as a complementary self-service tool for initial rate estimation. The company does not manufacture financial products but acts as an intermediary, bundling the 700-partner market comparison with advisory services.

Differentiator

Problem solved

Functional benefit

Products and services

• Immobilienfinanzierung Bank-independent residential mortgage and real estate financing brokerage comparing over 700 lenders to find optimal rates and terms for private homebuyers, including integration of KfW and state subsidies.
• Gewerbefinanzierung Commercial real estate financing brokerage for businesses covering warehouses, production facilities, office and administrative buildings, medical practices, and freelancer professional spaces, with separate fees for complex commercial projects.
• Individualfinanzierung Customized financing solutions for complex cases including medical professionals (physicians, dentists, pharmacists), freelancers, and expats or international investors with non-standard requirements such as foreign currency income, lack of traditional collateral, or complex security structures.
• Finanzierungsrechner Free online loan condition comparison calculator providing initial estimates of monthly mortgage payments based on loan amount and duration inputs, supporting self-service engagement before consultation.

Quantifiable outcome

• 86% of construction families secure better conditions than their primary bank
• +3 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• FINANZCHECK (Smava Group): FINANZCHECK is a German online lending and mortgage comparison platform, now part of the Smava group, focused on digital self-service credit comparison. It overlaps with Haus Finanz Kontor's mortgage category but competes primarily on a digital, lower-touch model.
• Creditweb (CRIF Bürgel): Creditweb is a German online credit and mortgage comparison service offering customers multiple lender offers through digital channels. It overlaps with Haus Finanz Kontor's intermediation category with a more digital, less advisor-led delivery model.

Direct peers

• Interhyp: Interhyp is Germany's largest independent mortgage broker, comparing offers from hundreds of banks for residential and commercial financing. It is the closest direct peer to Haus Finanz Kontor in business model, scale, and value proposition.
• Baufi24: Baufi24 is a digital-first German mortgage broker offering online comparison and advisory services across a large lender panel. It is a direct peer competing in the same residential mortgage brokerage category with overlapping target customers.
• Dr. Klein (Hypoport): Dr. Klein is a long-established German mortgage and consumer-finance broker, now part of Hypoport, operating an independent intermediary model across many lender partners. Directly comparable to Haus Finanz Kontor's bank-independent brokerage approach.
• PlanetHome: PlanetHome is a German real-estate financing and brokerage specialist serving residential and commercial customers through an advisor network. It overlaps directly with Haus Finanz Kontor in residential mortgage intermediation and special-segment financing.
• Hüttig & Rompf: Hüttig & Rompf is a German mortgage and real-estate financing broker with a multi-branch advisory model. It is a regional-to-national direct peer with comparable bank-independent brokerage and personal advisory services.

Broad incumbents

• Check24: Check24 is Germany's largest multi-category comparison portal, including Baufinanzierung. It is a broad incumbent operating across many product lines with overlapping mortgage intermediation but a fundamentally different scale and digital self-service focus.
• Verivox: Verivox is a major German price-comparison portal covering insurance, energy, telecom, and consumer finance including mortgage products. It is a broader incumbent in the comparison/intermediation space with partial overlap to Haus Finanz Kontor's intermediation model.

Others

• Sparda-Banken Baufinanzierung: Sparda-Banken is a group of regional German cooperative banks offering in-house construction financing products. As a lender-distribution channel rather than a broker, it is an adjacent ecosystem participant that competes with brokers at the distribution layer.

Market position

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/haus-finanz-kontor
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• Facebookfacebook.com/337410816668395

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Haus Finanz Kontor