Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs Global Mortgage Group
Where 1822direkt and Global Mortgage Group differ
| Compare |  1822direkt | Global Mortgage Group ReviewSee alternativesSee alternatives |
|---|---|---|
| Initial rate | 3.87%Lower | 4.88% |
| Fixed period | 10 yearsHigher | 1 to 2 years |
| Maximum loan to value | 90%Higher | 70% to 80% |
| Purpose | Purchase, Remortgage, Buy to let | Purchase, Remortgage, Buy to let, Equity release, Home equityCovers more |
| APRC | 3.97% | Not confirmed |
| Product fee | €0 | Not confirmed |
Same on both: Lender type (Broker).
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Key differences
- 1822direkt scores higher overall: 9.0 vs 8.4.
- Founded is lower at 1822direkt: 1996 vs 2018 to 2019.
- Global Mortgage Group is available in 9 more countries.
- Initial rate is lower at 1822direkt: 3.87% vs 4.88%.
- Fixed period is higher at 1822direkt: 10 years vs 1 to 2 years.
- Maximum loan to value is higher at 1822direkt: 90% vs 70% to 80%.
- Support channels: only 1822direkt offers Help centre.
- Purpose: only Global Mortgage Group offers Equity release, Home equity.
Our verdict on each
1822direkt
1822direkt suits German borrowers who prioritise low stated costs and fixed-rate borrowing across mortgages and personal loans. Its mortgage product fee is €0, while the initial rate is 3.87% and the APRC is 3.97%. The main trade-off is the hard credit check used for personal-loan applications.
Global Mortgage Group
Global Mortgage Group suits property investors and developers who need short bridging finance arranged through a broker, not a first time buyer shopping a mainstream lender. The initial rate of 4.88% sits near the 4.49% median, while a maximum loan to value of 70% to 80% keeps you supplying more equity than most.
Score breakdown
| Area | 1822direkt | Global Mortgage Group |
|---|---|---|
| Cost | 9.3HigherMortgage product fees are €0, while personal-loan application processing carries an origination fee of 0 EUR (credit application processing is free of charge). | 8.6Initial rate of 4.88% sits near the 4.49% median, but the maximum loan to value of 70% to 80% is below the 90% median. |
| Offer | 9.2HigherThe offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 8.3 |
| Trust | 8.6Higher | 8.1 |
Choosing between them
Pick 1822direkt if cost, offer, trust, initial rate, fixed period, and maximum loan to value matter most.
Pick Global Mortgage Group if purpose matter most.
Cost in a real example
200,000 over 25 years, first year
1822direkt
12,496.45
12,496.45
Global Mortgage Group
13,862.88
13,862.88
1822direkt comes out 1,366.43 lower in this example.
Excludes product fee (not stated by Global Mortgage Group). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where each is licensed and available
| Country | 1822direkt | Global Mortgage Group |
|---|---|---|
| Germany | Not confirmed |
Additional countries for 1822direkt: 1. Additional countries for Global Mortgage Group: 10.
How they place
| Ranking | 1822direkt | Global Mortgage Group |
|---|---|---|
| Debt consolidation loans | 215 of 425 | 373 of 425 |
| Mortgages | 220 of 716 | 367 of 716 |
| Remortgage deals | 156 of 351 | 264 of 351 |
A third option
Sofkredit has fixed period at 0.5 to 20 years, against 10 years for 1822direkt and 1 to 2 years for Global Mortgage Group.
Sofkredit reviewEvery fact side by side
| Fact | 1822direkt | Global Mortgage Group |
|---|---|---|
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | Global Mortgage Group Pte. Ltd. |
| Headquarters | Germany | Singapore |
| Founded | 1996Lower | 2018 to 2019 |
| Support channels | Email, Phone, Help centreCovers more | Email, Phone |
Loans
| Fact | 1822direkt | Global Mortgage Group |
|---|---|---|
| APR | 5.29% | Not confirmed |
| Loan amount | €7,500 to €100,000 | SGD 500,000 to SGD 50,000,000 |
| Term | 24 to 120 monthsHigher | 12 to 24 months |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | Not confirmed |
| Credit check | Hard | None |
| Funding time | Within 24 hours after digital signing | Approval in 24-48 hours, funding in 5-10 days |
| Pricing model | Fixed rate | Fixed rate |
| Rate type | Fixed | Fixed |
| Free early repayment | Yes | Yes |
| Eligibility | Minimum 18 years old, main residence in Germany, employed at least six months, permanent contract, no negative SCHUFA or CRIF Buergel entry | No age limit and no income requirement; in Singapore borrowers must qualify as an Accredited Investor |
| Origination fee (%) | 0% | Not confirmed |
| Loan types | Personal, Debt consolidation, Car, Credit line | Bridging, Secured, Business, Debt consolidation |
| Credit needed | Good | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Where each stands against the rest
| Fact | 1822direkt | Global Mortgage Group | Median |
|---|---|---|---|
| Initial rate | 3.87%below the median | 4.88%above the median | 4.73% |
| APRC | 3.97%below the median | Not confirmed | 5.18% |
| Fixed period | 10 yearsat the median | 1 to 2 yearslowest quarter | 10 years |
| Maximum loan to value | 90%at the median | 70% to 80%below the median | 90% |
| Product fee | €0at the median | Not confirmed | €0 |
Median across 286 listed lenders.
Pros and cons
1822direkt
Pros
- Mortgage product fees are €0.
- Personal-loan application processing is free of charge under 0 EUR (credit application processing is free of charge).
- Early repayment is free.
Cons
- Personal-loan applications use a hard credit check, which may make approval harder for borrowers with limited credit history.
- Personal loans are available only on a fixed-rate basis.
- The stated lender type is broker, so applications are arranged through a broker.
Global Mortgage Group
Pros
- A broker rather than a lender, so bridging, secured and business can be placed with a lender that fits the deal rather than one balance sheet
- Initial rate of 4.88% is close to the 4.49% median across the site
- Repayment runs 12 to 24, short enough to keep a bridging facility tied to one transaction
Cons
- Broker model means 4.88% is the headline guide rate rather than a promise, since the lender is chosen after the application
- A maximum loan to value of 70% to 80% is below the 90% median, so more equity is needed up front
- Support runs on email and phone, a narrower channel list than many lenders offer
Who each suits
1822direkt
Who it suits
- Adults resident mainly in Germany with a permanent contract and a clean SCHUFA and CRIF Buergel record.
- Borrowers comparing fixed-rate mortgages for purchase, remortgaging or buy-to-let purposes.
- Personal-loan applicants with good credit who want free early repayment and no application processing fee.
Who should look elsewhere
- Prestalo may suit a borrower focused on its listed initial rate of 2.36%.
- Creditilia ES may suit a borrower focused on its listed initial rate of 4%.
- Sofkredit may suit a borrower focused on its listed initial-rate range of 8% to 14%.
Global Mortgage Group
Who it suits
- Investors and developers buying or selling property who need cash in the gap between completion and the long term loan
- Property holders with equity available who can sit inside the 70% to 80% limit
- People who would rather have a broker place the deal with a lender than approach a lender themselves
Who should look elsewhere
- Buyers wanting a mainstream mortgage offer, because a maximum loan to value of 70% to 80% is tighter than the 90% median
- Cost shoppers, since 4.88% compares with 2.36% and 4% on the same chart
- Borrowers wanting to fix a rate on their own terms, because 12 to 24 only covers a short bridge and broker means the lender decides the final rate
Current offers
1822direkt
Current offer
Bonus
0,10 % Zinsvorteil im Online Finanzierungskonzept: 0,10 % Zinsvorteil
Offer tied to the Online Finanzierungskonzept; 0,10 % surcharge applies to properties that are not energy efficiency class A+ to C
Source, checked September 26, 2026
Bonus
Praemie fuer Kontonutzung im Girokonto: 200 EUR
New customers of the 1822direkt Girokonto, combined with 3,50 % Zinsen p.a. for new customers
Source, checked September 26, 2026
First period offer
Tagesgeldkonto Neukundenzins: 3,50 % Zinsen p.a.
Valid for 6 months up to an investment amount of 250,000 EUR, then the then-valid base rate applies
Source, checked September 26, 2026
Country by country
| Country | 1822direkt | Global Mortgage Group |
|---|---|---|
| Australia | No | Yes |
| Canada | No | Yes |
| France | No | Yes |
| Germany | Yes | No |
| Hong Kong | No | Yes |
| Ireland | No | Yes |
| Singapore | No | Yes |
| Spain | No | Yes |
8 of 11 countries where either is available.
Questions about each
1822direkt
What are the fees for a personal loan?+
Personal-loan rates start with an APR of 5.29%. Credit application processing is free of charge under 0 EUR (credit application processing is free of charge), and the stated product fee is 0%.
What costs apply to the mortgage?+
The mortgage initial rate is 3.87%, with an APRC of 3.97% and a fixed period of 10. The stated mortgage product fee is €0.
Global Mortgage Group
What is the initial rate?+
The initial rate is 4.88% and the rate type is fixed. That is close to the 4.49% median across the site. Since this is a broker, treat it as the starting point for a placement rather than a final offer, because the lender is chosen after the application.
Is this a lender or a broker?+
It is a broker, not a lender. The money is arranged with a lender that the broker places you with, and the legal entity is Global Mortgage Group Pte. Ltd.. That arrangement is why the headline rate can change, and why the property behind the loan matters more than a credit score.
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