vobahome

Property Equity Releasevobahome.de

vobahome is a German financial services company that offers residential property owners, primarily seniors and retirees, multiple equity-release models (partial sale, sale-and-leaseback, instant payout, senior loan, full sale) under a unified digital product finder, distributed nationally via a Volksbank co-branded partnership, certified broker network, and direct digital funnel.

Company typePrivate
Founded-
HeadquartersMichelstadt, Germany
Headcount1–10
GTM typeB2C
OfferingServices

What vobahome does

vobahome GmbH is a German financial services company specializing in Immobilienverrentung, the monetization of residential property equity, primarily serving older German homeowners and retirees who wish to unlock capital from their homes while continuing to live in them. Founded in 2023 and headquartered in Michelstadt, Hesse, with a secondary office in Heidelberg, the company operates as a private limited liability company (HRB 104589, Amtsgericht Darmstadt) with nine employees and a nationwide German footprint.

The company's core offering is a multi-product platform covering five distinct monetization models: Teilverkauf (partial sale of up to 50% of property value with retained residence in exchange for a usage fee), Rückmietverkauf (sale-and-leaseback at approximately 70-80% of value with vobahome assuming maintenance), Sofortverkauf (immediate partial payout up to 100% while a formal sale runs in parallel), ImmoLiquid (a property-secured loan with interest-only monthly payments and balloon repayment at sale), and Volksbank Gesamtverkauf (full property sale executed via a nationwide network of pre-screened certified brokers). A sixth offering, Volksbank Immobilien-Leasing, is distributed via the ownr.eu platform in partnership with Volksbank. The platform is accessed through a digital product-finder funnel on vobahome.de that produces a side-by-side comparison of products based on user inputs, followed by personal advisory consultation.

vobahome generates revenue primarily through transaction-based fees on closed deals (partial sales, loans, instant sales) and recurring monthly payments on sale-and-leaseback arrangements. Distribution combines a direct digital self-service funnel, personal advisory consultations, the Volksbank co-branded referral channel, a nationwide certified broker network, and a tiered Partnerprogramm with Basis and Premium license tiers. The company is a founding member of the Bundesverband Immobilienverrentung (BVIV), the German industry association for property monetization, and markets its services via Google Ads, Microsoft Advertising, organic content (magazine and glossary), LinkedIn, and Trustpilot. No proprietary technology platform, AI/ML capabilities, app, or external funding rounds are disclosed in the available source material.

vobahome firmographics

Firmographics

Name: vobahome
Legal name: vobahome GmbH
Website: https://vobahome.de
Company type: Private
Operating status: Operating
Headcount range: 1–10 employees
Short description: vobahome is a German financial services company that offers residential property owners, primarily seniors and retirees, multiple equity-release models (partial sale, sale-and-leaseback, instant payout, senior loan, full sale) under a unified digital product finder, distributed nationally via a Volksbank co-branded partnership, certified broker network, and direct digital funnel.
Ownership category
akta.pro rank

vobahome industry classification

Industry

Product category: Property Equity Release
NAICS: Real Estate Credit (522292)
SIC: Real Estate Dealers (For Their Own Account) (6532), Real Estate Agents & Managers (For Others) (6531)
akta.pro primary industry: Real Estate Transaction Advisory & Due Diligence (FSAEAJAJ)
akta.pro secondary industry: Buyer Representation Services (BPAJAAAJ)

Keywords

Property monetization
Equity release
Partial property sale
Senior home loans
Sale and leaseback

Where vobahome is headquartered

Location

Headquarters

HQ city: Michelstadt
HQ country: Germany
HQ region: Europe

Offices2 records

Markets served

vobahome business model

Business model

GTM type: B2C
Offering type: Services
Cost components: Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

Teilverkauf (Partial Sale): Property owners sell a portion of their property (up to 50%) and receive a lump sum payment. The owner continues to live in the property and pays a usage fee (Nutzungsentgelt) to the partial buyer.
ImmoLiquid (Senior Loan): Senior citizens receive loans secured by their property. Interest-only payments are required monthly with the principal repaid upon property sale. Age-independent lending product.
Rückmietverkauf (Sale-and-Leaseback): Property is sold and the former owner rents it back. Monthly rental payments apply while vobahome assumes maintenance responsibilities.
Sofortverkauf (Instant Sale): Up to 100% of property value is made available as immediate payout while the formal sale process continues in the background.

Pricing tiers

Model	Billing	Price
Transaction based/ take rate	Pay-as-you-go	Teilverkauf - Maximum 50% of property value
Subscription	Monthly	Rückmietverkauf - Approximately 70-80% of property value
Usage-based	Monthly	ImmoLiquid - Senior loan secured by property
Transaction based/ take rate	Pay-as-you-go	Sofortverkauf - Up to 100% of property value

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

vobahome product offering

Product offering

Core offering

vobahome offers German property owners multiple models to unlock equity from their homes while continuing to live in them, including Teilverkauf (partial sale up to 50%), Rückmietverkauf (sale-and-leaseback), Sofortverkauf (immediate partial payout up to 100%), ImmoLiquid (age-independent property-secured senior loan), and Gesamtverkauf (full sale via a nationwide certified broker network). Customers compare products via an online property-checker funnel and are then guided through personal advisory consultation to finalize the selected model.

Product overview

vobahome is a property monetization platform offering multiple models for homeowners to unlock equity from their real estate. The core product suite includes: Teilverkauf (partial sale with retained residence), Rückmietverkauf (sale-and-leaseback), Sofortverkauf (immediate partial payout), ImmoLiquid (senior loan with property as collateral), and Gesamtverkauf (full property sale with broker network). The platform also enables partner programs with Basis and Premium license tiers, and Volksbank Immobilien-Leasing for flexible property access. All products are accessible through a unified product finder that compares options based on user circumstances, with personalized advisory support.

Differentiator

Problem solved

Functional benefit

Companies that use vobahome

Customer profile

Segments2 records

Ideal customer profiles3 records

vobahome technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Integration1 record

vobahome partnerships and signals

Strategic signal

Partnerships

Four partnerships are on record, tiered core and minor.

Volksbank (Banking Partnership)coreChannel Partner/ Reseller/ DistributorVolksbank serves as the primary banking partner and referral source for vobahome. The partnership is reflected in branding ('Volksbank ImmoLiquid', 'Volksbank Gesamtverkauf') and leverages Volksbank's branch network across Germany to reach property owners. The relationship provides vobahome access to established customer trust and physical distribution points.
Bundesverband Immobilienverrentung (BVIV)coreStrategic or Co-development Partnervobahome is a founding member ('Gründungsmitglied') of the German Federal Association for Property Monetization (BVIV). This membership indicates industry leadership and allows vobahome to potentially influence industry standards and regulatory developments.
Nationwide Broker NetworkcoreChannel Partner/ Reseller/ Distributorvobahome maintains a nationwide network of pre-screened, certified real estate brokers ('geprüfte Makler') for the Gesamtverkauf (full property sale) product. Brokers are vetted for professionalism and regional market expertise before inclusion in the network.
Advidera (Google Ads Agency)minorImplementation/ SI/ Consulting Partnervobahome's advertising campaigns are managed by Advidera, an external Google Ads agency, for campaign optimization and ongoing management.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

vobahome competitors and assessment

Company assessment

Direct peers

foreverhome: foreverhome offers partial property sale and property-based lifetime income solutions for German homeowners. Comparable business model and customer segment to vobahome.
Wertfaktor: Wertfaktor is a German specialist in Teilverkauf (partial property sale) allowing seniors to unlock equity while remaining in their homes. It is the closest direct competitor to vobahome's core product offering.
Deutsche Immobilienrente: Deutsche Immobilienrente offers Immobilienverrentung models including partial sale and lifetime rent products targeting German homeowners. Directly comparable in product set and target customer.
Homeowner (homeowner.de): Homeowner is a German fintech providing property equity release through partial sale and senior loans. Competes head-to-head with vobahome's ImmoLiquid and Teilverkauf products.

Broad incumbents

PlanetHome Group: PlanetHome is a German real estate specialist offering brokerage, financing and property-related services. Comparable in combining broker networks with financing products for homeowners.
Interhyp AG: Interhyp is one of Germany's largest mortgage brokers, providing real estate financing products including senior-relevant products. Adjacent incumbent in property credit intermediation.
Engel & Völkers: Engel & Völkers is a large German-headquartered real estate brokerage that handles property sales including those involving equity release scenarios. Overlaps with vobahome's Gesamtverkauf product.
Bausparkasse Schwäbisch Hall: Schwäbisch Hall is Germany's largest building society, offering Bauspar products and property financing including senior-relevant solutions. A large incumbent with overlapping customer base to vobahome.
Dr. Klein Privatkunden AG: Dr. Klein is a major German financial product distributor offering real estate financing and credit products. Competes with vobahome's ImmoLiquid senior loan through broader mortgage and credit offerings.

Emerging players

McMakler: McMakler is a digital German real estate brokerage combining online valuation and agent services. Comparable on digital funnel for property sellers but lacks vobahome's equity release products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

vobahome financial estimates

Financial estimate

Revenue estimate

Valuation estimate

vobahome leadership team

Management profile

Number of profiles

Profiles1 record

vobahome funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

vobahome M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about vobahome

What does vobahome do?

Is vobahome a public or private company?

vobahome is a private company. It is classified as founder individual operated bootstrapped and is currently operating.

When was vobahome founded?

vobahome was founded in -1. It employs 1 to 10 people.

Where is vobahome based?

vobahome is headquartered in Michelstadt, Germany, in the Europe region.

How does vobahome make money?

Four revenue lines are on record. Teilverkauf (Partial Sale) is the primary driver. The others are immoLiquid (Senior Loan), Rückmietverkauf (Sale-and-Leaseback) and sofortverkauf (Instant Sale).

Who are vobahome's main competitors?

Direct peers on record are foreverhome, Wertfaktor, Deutsche Immobilienrente and Homeowner (homeowner.de). Broad incumbents are PlanetHome Group, Interhyp AG, Engel & Völkers, Bausparkasse Schwäbisch Hall and Dr. Klein Privatkunden AG. McMakler is listed as an emerging player.

Does vobahome have an API?

No public API is recorded for vobahome.

What industry is vobahome in?

vobahome's product category is Property Equity Release. Its primary akta.pro industry code is FSAEAJAJ, Real Estate Transaction Advisory & Due Diligence, with a secondary code of BPAJAAAJ, Buyer Representation Services. Its NAICS code is 522292 and its SIC code is 6532.