realfinanz

What realfinanz does

REALfinanz Baufinanzierungsberatung MPSZ GmbH & Co. KG is an Austrian independent mortgage financing advisory firm headquartered in Klagenfurt with eight branch offices across Austria. Operating as a non-bank wealth advisor, the firm connects customers with financing solutions from a network of 80+ Austrian bank partners, providing comparative market analysis, needs assessment, and end-to-end handling of the financing administration process from initial request through property handover. Its primary customer segment is private individuals seeking to purchase, build, or refinance residential property, with a secondary segment of real estate investors.

The firm distributes services through a network of 60+ self-employed financing consultants (selbstständige Vermögensberaterinnen) located across Austria, supported by self-service digital tools including an online financing request form, a loan calculator, and a rent-vs-buy calculator. The technology stack is conventional — a content-driven website with lead-capture and educational calculators — with no proprietary software platform, no mobile applications, and no disclosed AI capabilities. Customer acquisition combines direct advisory outreach with a referral ecosystem spanning real estate brokers, property developers, prefabricated house companies, notaries, and trustees.

REALfinanz monetizes via commission payments from bank partners on successfully placed financing volumes. Pricing is not publicly disclosed; a representative EUR 200,000 credit example with a 30-year term at 4.0% interest carries a EUR 970.41 monthly payment with 3% processing and 1.2% land registry fees, illustrating the bank-side cost structure rather than the firm's own advisory fee. The firm operates without external private equity or venture capital ownership and is governed by four managing directors (Bernd Ebner, Norbert Plihal, Manuel Tauchner, and Michael Zmugg) with two disclosed shareholders (Hans Moll and Wilhelm Schantl).

Name

realfinanz

Legal name

REALfinanz Baufinanzierungsberatung MPSZ GmbH & Co. KG

Website

https://realfinanz.at

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

REALfinanz is an Austrian independent mortgage financing advisory firm headquartered in Klagenfurt that compares offers from 80+ bank partners to serve private individuals and real estate investors across Austria through a network of 60+ self-employed financing consultants and eight branch offices.

Ownership category

akta.pro rank

Product category

Mortgage Advisory Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industry

Debt & Structured Finance / Mortgage Brokerage (BPAJABAK)

Keywords

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

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices8 records

Markets served

GTM type

B2C

Offering type

Services

Revenue model

1. Mortgage Financing Advisory Services: REALfinanz acts as an independent wealth advisor, providing consultation services to connect customers with appropriate bank financing solutions. The company earns commissions from bank partners for successful financing placements. Services include detailed consultation, market comparison across Austrian banks, and complete financing administration support through to property handover.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

realfinanz is an independent Austrian mortgage financing advisory firm that helps private customers secure real estate financing. Operating as a non-bank financial advisor (Vermögensberater), the firm compares offers from more than 80 Austrian bank partners to identify optimal financing terms. Services span initial consultation, market comparison, bank selection, and full financing administration support from application through to property handover.

Product overview

realfinanz operates as an independent mortgage advisory service (not a bank) that collaborates with all Austrian banking sectors and offers international financing solutions. The core offering consists of the Finanzierungsanfrage (Financing Request) process for submitting financing requests, paired with Kreditvergleich (Credit Comparison) services for market-wide analysis. Supporting tools include the Kreditrechner (Loan Calculator) for estimating housing loan parameters and the Mieten oder Kaufen Rechner (Rent vs Buy Calculator) for comparing rental versus purchase decisions. All services are backed by a team of over 60 financing experts across Austria.

Differentiator

Problem solved

Functional benefit

Products and services

• Immobilienfinanzierungs-Beratung (Real Estate Financing Consulting) Personalized real estate financing advisory service for Austrian consumers seeking to purchase, build, or refinance residential property. Includes needs assessment, market comparison across 80+ bank partners, bank selection, expert negotiation, and complete financing administration support from application through property handover. Delivered by 60+ self-employed financing experts across Austria.
• Kreditvergleich (Credit Comparison) Market-wide comparison service that surveys financing options across Austrian banks to identify suitable financing partners and terms for a customer's specific situation. Supports the core advisory engagement by providing the bank-selection underpinning.

Segments2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Two partnerships are on record, tiered core and minor.

• Bank Partners NetworkcoreChannel Partner/ Reseller/ DistributorREALfinanz works with over 80 Austrian bank partners including major institutions such as Volksbank, Wüstenrot, BA-CA, Hypo Landesbank, Raiffeisen, Raiffeisen Bausparkasse, VR-Bank, Start Bausparkasse, Sparda, Oberbank, Erste Bank, BTV, BKS, Bank Burgenland, Ärztebank, Anadi, WSK, Bank99, S-Bausparkasse, BAWAG P.S.K., Erste Bank, Marchfelder Bank, and Santander. As an independent advisor, they compare financing offers across all partners to find optimal solutions for customers.
• Real Estate Industry PartnersminorStrategic or Co-development PartnerREALfinanz maintains cooperative relationships with leading representatives of the real estate industry including real estate brokers, property developers, prefabricated house companies, trustees, and notaries. This network is continuously expanded to benefit customers.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Interhyp: Germany's largest independent mortgage broker, arranging residential financing across a broad bank-partner network. Closely comparable to REALfinanz in business model (commission-based intermediation, multi-bank comparison, personal advisory) though at greater scale and with German market focus.
• Baufi24: German online mortgage broker aggregating bank offers and offering both digital and advisor-led intermediation. Comparable business model to REALfinanz, though with a more digital-first delivery mix.
• Dr. Klein Privatkunden AG: Independent German mortgage and consumer-finance broker with a national advisor network and bank-partner comparison platform. Comparable to REALfinanz in intermediation model and reliance on self-employed Beratungs-Spezialisten across multiple offices.
• Hüttig & Rompf AG: German independent mortgage broker operating with bank-partner network and field advisors. Same commission-based intermediation model as REALfinanz, serving residential mortgage customers.
• PlanetHome Group: European mortgage and real estate brokerage with operations across Germany, Austria, and other markets. Directly comparable to REALfinanz in residential financing intermediation and DACH geographic footprint.

Emerging players

• Check24 Vergleichsportal: German price-comparison platform that includes mortgage intermediation alongside insurance, banking, and consumer products. An emerging digital threat to advisor-led brokers like REALfinanz in the DACH mortgage market.
• Verivox: German comparison portal offering mortgage and consumer-finance intermediation. Comparable as an alternative distribution channel that competes for the same borrower attention and could compress REALfinanz's digital funnels.

Broad incumbents

• Erste Group Bank: One of the largest banking groups in CEE and a key Austrian retail mortgage provider; listed as a REALfinanz partner. Comparable as an Austrian mortgage counterparty the firm intermediates with, and a potential disintermediation risk.
• Raiffeisen Bausparkasse: Austrian building society and mortgage provider within the Raiffeisen group, listed as a REALfinanz partner. Comparable as an institutional mortgage counterparty that the firm intermediates with and as a direct competitor for retail borrowers.
• BAWAG P.S.K. Major Austrian retail bank, listed as a REALfinanz bank partner, that originates mortgages directly as well as through brokers. Comparable as an Austrian mortgage originator and distribution channel, though with a different core business model (deposit-taker vs. intermediary).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/realfinanz

Revenue estimate

Valuation estimate

Number of profiles

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 realfinanz