Mortgage broker. You find a property, they find you a loan. Great for homebuyers.
Independent platform with access to new developments across Germany. We find properties and match them to your goals. Built for investors.
Different services for different goals
| Feature | Hypofriend | Financemate |
|---|---|---|
| Primary Service | Mortgage brokerage | End-to-end property investment |
| Who It's For | Homebuyers needing financing | Investors building wealth |
| Property Access | You find your own property | New developments across Germany |
| Independence | Neutral on properties | Not tied to any single developer |
| Property Selection | You find the property | We find investment properties for you |
| Investment Analysis | Not offered | ROI, tax optimization, cashflow projections |
| Tax Advisor Network | Not offered | Access to property tax specialists |
| Portfolio Strategy | Not offered | 1st, 2nd, 3rd property roadmap |
| Financing | Core service (750+ banks) | Included as part of the process |
| Focus | Best mortgage rate | Best investment outcome |
| Homebuyer Support | Yes - core focus | No - investment only |
Ideal customer: "I found an apartment in Munich. I need help finding the best mortgage."
Visit HypofriendIdeal customer: "I want to build wealth through German real estate. Help me find the right investment properties and make it happen."
Hypofriend is a mortgage brokerage that helps you find financing for a property you've already chosen. Financemate is an end-to-end real estate investment service that helps you select investment properties, build a portfolio, and includes financing as part of the process. Hypofriend focuses on homebuyers needing loans. Financemate focuses exclusively on investors building wealth.
For investment property, Financemate is designed specifically for investors. We provide property selection, investment analysis, tax optimization, and financing together as one service. Hypofriend is a mortgage broker that helps with financing only - you need to find and evaluate the property yourself.
Financemate includes financing as part of our end-to-end investment service. We work with financing partners to get you the best terms for your investment property. However, we don't offer standalone mortgage brokerage - financing is integrated into our full investment process.
Financemate focuses exclusively on investment properties - real estate purchased to build wealth and generate rental income. If you're buying a home to live in (not as an investment), Hypofriend or another mortgage broker would be a better fit for your needs.
Financemate is specifically designed for portfolio building. We help you buy your first, second, third, and beyond investment properties with a long-term wealth strategy. We analyze how each property fits your overall financial plan. Hypofriend focuses on individual mortgage transactions without portfolio strategy.
No. Unlike mortgage brokers where you bring the property, Financemate helps you find and select investment properties. We partner with developers to offer new-build properties optimized for tax benefits and rental returns. We evaluate properties for investment suitability before presenting them to you.
No. Financemate is independent and not tied to any single developer. We have access to new property developments across Germany, which means we can recommend properties based purely on what fits your investment goals - not because we're locked into one development partner or region.
Yes. Beyond our tax optimization calculators, Financemate provides access to a network of tax advisors who specialize in property investment. They can help you claim depreciation benefits, structure your investment for maximum tax efficiency, and handle the German tax filing requirements. This is part of our end-to-end service - mortgage brokers typically don't offer this.
Join hundreds of internationals who are building property portfolios with Financemate.
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