Over 500 banks — we broker the one that fits your case
You don’t have to go from bank to bank. We compare over 500 banks at once and find the institution that finances your situation — not the one that happens to be your house bank. Advice, comparison and enquiry are free for you.
Why a bank comparison beats a single house bank
Every bank has its own grid: one loves standard cases, the next finances investors, the third knows your region. A rejection doesn’t mean your project isn’t financeable — it just didn’t fit that one bank’s grid.
Through our platform connections (Prohyp, Baufinex, Forum, ABACUS, Hyposmart) we reach more than 500 banks. You make one enquiry, we fetch the suitable offers. We are paid by the financing bank — for you, the advice is free. Brokerage under §34i GewO by Olga Nikushkina.
Frequently requested banks
These eight institutions our bank access reliably covers. Each page shows what the bank stands for and whom it suits — and when another carries you better.
ING
Direct bank · nationwide.
To the bank → BankCommerzbank
Branch bank · nationwide.
To the bank → BankDeutsche Bank
Major bank · higher volumes.
To the bank → BankDKB
Direct bank · investors.
To the bank → BankSparkasse
Regional · local assessment.
To the bank → BankVolksbank
Cooperative · regional.
To the bank → BankAllianz
Insurer · long fixed terms.
To the bank → BankTargobank
Retail bank · branch + online.
To the bank →Information
Banks differ in what they accept — not mainly in what they charge
Rate comparison sites suggest the German mortgage market is a price ranking. For a salaried German buyer with a permanent contract and 20 % equity, that is roughly true. For everyone this practice works with, it is not. The decisive variable is not price but acceptance:
- Residence permit. Some banks require permanent residence (Niederlassungserlaubnis). Others lend on an EU Blue Card. A few will look at a fixed-term permit if the employment contract runs long enough. There is no common standard.
- Where you are tax-resident. Living outside Germany changes the applicable consumer-protection law and the bank's enforcement position. Most lenders simply decline rather than work it out.
- The currency you are paid in. A foreign-currency income triggers a statutory conversion right for the borrower. Banks that do not want to carry that obligation say no — regardless of how strong your income is.
- Credit history. Arriving in Germany with an excellent credit record abroad and no Schufa history at all is treated by some banks as a blank sheet and by others as a red flag.
- Source of funds. Equity transferred from outside the EU requires documentation under German anti-money-laundering rules. Incomplete evidence stalls files that were otherwise approved.
There is no best bank. There is the one that fits.
Applying to several banks in sequence and being declined each time is not a neutral exercise. Serious credit enquiries leave a trace, and a run of rejections makes the next application harder — not easier. The outcome is therefore decided before the first application, in the selection.
We work the other way round: first establish which lenders will consider your specific constellation at all, then approach them. The rate is the result of that process, not its starting point.
Access runs through the Prohyp, Baufinex, Forum, ABACUS and Hyposmart platforms. The financing bank pays our commission; the advice costs you nothing. Brokerage under § 34i GewO by Olga Nikushkina.
Why only eight banks are profiled here
These are the names people search for — not a ranking and not a recommendation. Each profile answers the same question from a different angle: what is this bank built for, and when does another one carry your case better? We also say where a bank reaches its limits. Not to disparage it, but because a rejection after four weeks costs you more than an honest assessment beforehand.
The several hundred other lenders do not appear here. Among them are precisely the specialists that decide difficult cases — lenders with no retail brand and no one searching for their name.
Request your initial analysis — free of charge
Briefly describe your project. We check which of over 500 banks fits your situation — without obligation and free of charge.