Home & Finance GmbH

What Home & Finance GmbH does

Home & Finance GmbH is a German private limited company (GmbH) operating as a bank-independent mortgage and consumer-finance intermediary, headquartered in Warendorf, Germany, and serving individual consumers and small-volume property buyers nationwide. The firm holds three German GewO licenses — §34c (general commercial broker), §34d (insurance broker, registry D-G7W1-Z3T0B-21), and §34i (mortgage credit intermediary, registry D-W-133-8IYL-13) — under the supervision of IHK Hannover, and it sells through a four-product suite: Baufinanzierung (mortgage/construction financing), Anschlussfinanzierung (follow-on financing), Modernisierung/Sanierung including the WOHNkredit renovation loan, and Privatkredite (personal, auto, debt-restructuring, energy and civil-servant loans).

The technology stack is fully third-party: the customer-facing financing-chance calculator is delivered through a Europace AG integration, insurance comparison tools are sourced from Mr-Money Software GmbH, and the website itself runs on digidor GmbH infrastructure with Friendly Captcha for bot mitigation. The firm does not disclose any proprietary platform, model, or data asset; lead capture and conversion rely on traditional inside-sales mechanics — phone, online consultation, and in-person meetings — with social-media and review-driven referrals as secondary acquisition channels. Reported scale signals include access to 500+ financing partners, 5,056+ published customer reviews, and stated experience exceeding 15 years.

Revenue is generated almost entirely through transaction-based commissions received from banks, insurance carriers, and other financing partners on successfully placed business, with the customer-facing consultation offered free of charge. The firm is management-owned with two Geschäftsführer (Tobias Schönfeld and René Denis), a Business Operations Manager (Christina Theilmann), and approximately four further staff totaling six employees, and has no disclosed external investors, funding history, or institutional ownership.

Name

Home & Finance GmbH

Legal name

Home & Finance GmbH

Website

https://home-and-finance.de

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

Home & Finance GmbH is a bank-independent German mortgage and consumer-finance intermediary that places Baufinanzierung, Anschlussfinanzierung, renovation and personal loans with a network of more than 500 financing partners for individual homebuyers and property owners across Germany.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

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

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163), Personal Credit Institutions (6141)

akta.pro primary industry

Home Equity & HELOC Intermediaries (FSALABAE)

akta.pro secondary industries

Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL), Home Improvement Personal Loans (Unsecured Installment) (FSAKAAAE)

Keywords

• Mortgage brokerage
• Real estate financing
• Construction financing
• Financial advisory services
• Home loan advisory

Headquarters

HQ city

Warendorf

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage/Immobiliardarlehen Commission: The company earns commissions from banks and financial institutions for placing customer financing. As a licensed Immobiliardarlehensvermittler according to § 34 i GewO, they receive referral fees or commissions from lending partners when financing contracts are completed.
2. Insurance Products Commission: The company also operates as a licensed insurance broker (§ 34 d GewO) and offers insurance comparison tools (Mr-Money), earning commissions on insurance products placed.
3. Consulting Services: Free initial consultation is offered. The company provides comprehensive advisory services throughout the financing process, from decision-making through implementation, as part of their holistic service approach.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Home & Finance GmbH operates as a bank-independent mortgage and real estate financing intermediary for individual consumers across Germany. The company compares offers from over 500 financing partners (banks and financial institutions) to provide tailored construction financing, follow-up financing, modernization/renovation financing, and personal loans. Customers receive free initial consultation and full advisory support from application through disbursement.

Product overview

Home & Finance GmbH operates as a bank-independent financial advisory firm and mortgage intermediary offering a holistic suite of property and consumer financing services. The core offering is Baufinanzierung (construction/mortgage financing), complemented by three related products: Anschlussfinanzierung (follow-on mortgage financing), Modernisierung/Sanierung (renovation and modernization financing including the WOHNkredit loan), and Privatkredite (personal loans covering installment, auto, restructuring, energy, and civil servant loan variants). The company acts as an intermediary across more than 500 financing partners and provides the full advisory lifecycle from initial consultation through loan execution and ongoing account servicing.

Differentiator

Problem solved

Functional benefit

Products and services

• Baufinanzierung (Construction/Mortgage Financing) Bank-independent construction and mortgage financing brokerage for individuals purchasing or building residential property. Sources tailored financing offers from over 500 bank and financial institution partners, with advisory covering the full lifecycle from decision through execution, including subsidies and grant identification.
• Anschlussfinanzierung (Follow-up Financing) Follow-up financing brokerage for customers whose existing mortgage fixed-interest period is ending. Compares market offers across multiple banks to secure improved interest rates, flexible maturities, and tailored repayment schedules.
• Modernisierung / Sanierung (Renovation and Modernization Financing) Financing brokerage for renovation, modernization, and energy-efficiency upgrades of existing properties. Includes advisory on subsidies and grants and access to the 'WOHNkredit' loan product for eligible modernization measures.
• Privatkredite (Personal Loans) Personal loan brokerage covering installment loans, car loans, debt restructuring (Umschuldung), energy loans, and civil servant loans (Beamtendarlehen). Delivered via an online application that compares interest rates across relevant providers.

Quantifiable outcome

• 5,056+ customer reviews with positive feedback indicating successful financing outcomes

Named customers7 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature1 record

Partnerships

Two partnerships are on record, tiered core.

• Europace AGcoreTechnology or IntegrationEuropace AG provides a mortgage rate calculator (Konditionsrechner) integrated into the Home & Finance website. This tool enables customers to receive preliminary analysis of financing chances and maximum financing possibilities for their desired property. The partnership allows the company to offer instant preliminary calculations while capturing lead information.
• digidor GmbHcoreTechnology or Integrationdigidor GmbH provides the website infrastructure and hosting for Home & Finance's website. The company uses digidor's website builder platform and newsletter services. An order processing agreement (Auftragsverarbeitungsvertrag) is in place per GDPR requirements.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Interhyp AG: Germany's largest independent mortgage broker, sourcing from a broad panel of banks and Sparkassen. Directly comparable business model to Home & Finance — bank-independent intermediation across many lender partners — but operating at national scale with much larger headcount and marketing budget.
• Bon-Kredit / Boncredit: Specialist German broker for personal and installment loans, including loans for borrowers with weaker credit profiles. Comparable to Home & Finance's Privatkredite offering and its documented focus on borrowers declined by mainstream banks.
• Dr. Klein Privatkunden AG: Established German mortgage and consumer finance broker offering Baufinanzierung, follow-up financing, and personal loans through a multi-channel advisory model. Closely matches Home & Finance's product mix and customer target (private homebuyers and property owners).
• Baufi24 GmbH: Online-first German mortgage broker offering Baufinanzierung, Anschlussfinanzierung, and modernization financing. Directly comparable offering to Home & Finance but with a stronger digital/funnel orientation rather than the personal-consultation model.
• Smava GmbH: German online credit comparison platform brokering personal loans, debt restructuring, and auto loans across multiple bank partners. Comparable to Home & Finance's Privatkredite offering, though with a fully digital model rather than personalized consultation.

Broad incumbents

• Verivox GmbH: Leading German comparison portal for energy, insurance, banking, and consumer credit products. Comparable as a broad incumbent competing with Home & Finance's insurance brokerage (§34d) and personal loan offerings at scale.
• CHECK24 Vergleichsportal GmbH: Germany's largest price-comparison portal covering insurance, banking, mortgages, and consumer credit. Comparable as an indirect competitor to Home & Finance's insurance and personal-loan brokerage, and a major alternative customer-acquisition channel.
• Hypoport AG: Listed German fintech parent of Europace AG (the platform that powers Home & Finance's mortgage calculator) and multiple broker brands including Interhyp. Operates broadly across credit intermediation, real estate finance, and insurance — a key incumbent and indirect technology counterparty.
• FinanceScout24 GmbH: German online comparison portal for banking, insurance, and financing products including Baufinanzierung. Comparable as a broad competitor in the same discovery and comparison funnel where Home & Finance acquires customers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/home-finance-gmbh
• Instagraminstagram.com/homeandfinance

Compliance6 records

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 Home & Finance GmbH