If you have searched for a home loan in Germany, you have inevitably encountered Interhyp Baufinanzierung. Founded in 1999 in Munich, Interhyp revolutionized the German mortgage market by aggregating loan products through its proprietary software, eHyp. Today, it mediates tens of billions of euros in annual mortgages.
What many international buyers do not know: Interhyp is not an independent boutique. In 2008, it was acquired by Dutch banking multinational ING Group (the owner of ING Bank). While Interhyp still compares roughly 500 partner banks, its corporate scale and ownership structure fundamentally shape how your loan application is handled.
Interhyp has built a massive brand presence with physical branches across Germany. Their online mortgage tools, such as the Interhyp Zinsrechner, provide helpful generic market overviews. Like independent brokers, Interhyp is free for borrowers as banks pay placement commissions upon loan completion.
High caseworker turnover in centralized call centers often leads to impersonal, factory-style file processing. While some consultants speak English, internal checklists and bank communications remain German-centric. More critically, complex expat dossiers—such as probation periods, EU Blue Cards under 21 months, foreign currency income, and Restricted Stock Units (RSUs)—frequently encounter automated rejections because caseworkers lack the time to advocate for specialized exceptions.
Interhyp accesses approximately 500 partner lenders primarily through its proprietary eHyp system and operates via call centers with shifting caseworkers. In contrast, I provide dedicated 1-on-1 personal advisory from start to finish in 100% native English, accessing over 750 lenders across multiple competing institutional platforms (Europace, eHyp, and Finmas). My practice is 100% independent and specialized exclusively on international buyers and expats.
When you submit your full personal data and tax ID to Interhyp, their system initiates formal entries in eHyp. This frequently triggers an internal lead reservation (Kundenschutz) with specific partner banks. If you later decide to work with me to negotiate custom condition discounts or structure your dossier more carefully with an underwriter, that specific bank may flag your file as already registered under Interhyp. Always consult me to review your options before submitting binding files across mass portals.
Do not sign your loan agreement before getting a second opinion. Upload your Interhyp financing proposal to my free Counter-Offer check. I will personally review your interest rate, repayment terms, and Sondertilgung clauses within 24 hours to see if I can beat it across my 750+ lender network.