Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs Interhyp
What sets them apart
| Compare |  1822direkt |  Interhyp |
|---|---|---|
| Initial rate | 3.87%Lower | 4.08% |
| APRC | 3.97%Lower | 4.08% |
| Maximum loan to value | 90% | 100%Higher |
| Purpose | Purchase, Remortgage, Buy to letCovers more | Purchase, Remortgage |
Same on both: Fixed period (10 years), Product fee (€0), Lender type (Broker).
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Key differences
- Interhyp scores higher overall: 9.1 vs 9.0.
- Founded is lower at 1822direkt: 1996 vs 1999.
- Initial rate is lower at 1822direkt: 3.87% vs 4.08%.
- APRC is lower at 1822direkt: 3.97% vs 4.08%.
- Maximum loan to value is higher at Interhyp: 100% vs 90%.
- Purpose: only 1822direkt offers Buy to let.
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.
Interhyp
Interhyp suits German buyers and owners who want a fixed-rate mortgage with no arrangement charge. The initial rate is 4.08% and the APRC is 4.08%, with an origination fee of 0 EUR, and credit checks are hard, so weaker files may not qualify.
Score breakdown
| Area | 1822direkt | Interhyp |
|---|---|---|
| Cost | 9.3Mortgage product fees are €0, while personal-loan application processing carries an origination fee of 0 EUR (credit application processing is free of charge). | 9.3Origination fee 0 EUR and product fee €0, with an initial rate of 4.08% and an APRC of 4.08%. |
| Offer | 9.2The offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 9.5HigherBroker placing secured lending at a fixed rate for 10, terms of 120 to 240 and a maximum loan to value of 100%. |
| Trust | 8.6 | 8.6 |
Where they rank in our lists
| Ranking | 1822direkt | Interhyp |
|---|---|---|
| Mortgages | 220 of 716 | 165 of 716 |
| Remortgage deals | 156 of 351 | 116 of 351 |
| Home improvement loans | 289 of 562 | 228 of 562 |
The bill, worked out
200,000 over 25 years, first year
1822direkt
€12,496.45
€12,496.45 + 1 × €0
Interhyp
€12,774.34
€12,774.34 + 1 × €0
1822direkt costs €277.89 less.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Every fact side by side
| Fact | 1822direkt | Interhyp |
|---|---|---|
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | Interhyp AG |
| Headquarters | Germany | Germany |
| Founded | 1996Lower | 1999 |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Loans
| Fact | 1822direkt | Interhyp |
|---|---|---|
| APR | 5.29% | 4.08% to 4.7%Lower |
| Loan amount | €7,500 to €100,000 | €375,000Higher |
| Term | 24 to 120 months | 120 to 240 monthsHigher |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | 0 EUR |
| Credit check | Hard | Hard |
| Funding time | Within 24 hours after digital signing | On purchase of an existing property disbursed in one sum once the land registry charge is registered; for new builds in instalments according to construction progress |
| Representative example | Not confirmed | Baufinanzierung (Annuitatenda rlehen): purchase price 450,000 EUR, equity 100,000 EUR, loan amount around 375,000 EUR, 2% initial repayment, 10 years fixed at 3.87%, monthly rate 1,834 EUR, residual 282,489 EUR |
| Pricing model | Fixed rate | Fixed rate |
| Rate type | Fixed | Fixed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Minimum 18 years old, main residence in Germany, employed at least six months, permanent contract, no negative SCHUFA or CRIF Buergel entry | Adult of legal age and fully legally capable, regular income, fixed residence and fixed bank account in Germany, creditworthy |
| Origination fee (%) | 0% | Not confirmed |
| Loan types | Personal, Debt consolidation, Car, Credit line | Secured |
| Credit needed | Good | Not confirmed |
| Use cases | Home improvement | Home improvement |
Where each stands against the rest
| Fact | 1822direkt | Interhyp | Median |
|---|---|---|---|
| Initial rate | 3.87%below the median | 4.08%below the median | 4.73% |
| APRC | 3.97%below the median | 4.08%below the median | 5.18% |
| Fixed period | 10 yearsat the median | 10 yearsat the median | 10 years |
| Maximum loan to value | 90%at the median | 100%highest quarter | 90% |
| Product fee | €0at the median | €0at the median | €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.
Interhyp
Pros
- Origination fee of 0 EUR and a product fee of €0 on secured lending
- Initial rate of 4.08% with an APRC of 4.08%
- Fixed rate of fixed for 10, above the mortgage median of 6.5
Cons
- Credit checks are hard, so a thin credit history rules you out
- The initial rate of 4.08% sits below the 4.49% mortgage median
- Eligibility is narrow: adults of legal age and fully legally capable, with regular income, a fixed residence and a fixed bank account in Germany
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%.
Interhyp
Who it suits
- Adults of legal age and fully legally capable, with regular income and a fixed residence in Germany
- Buyers and owners needing a fixed-rate loan with a maximum loan to value of 100%
- Anyone refinancing an existing German mortgage
Who should look elsewhere
- Borrowers chasing the lowest headline rate, since Prestalo lists 2.36% against Interhyp's 4.08%
- Buyers who want a variable deal, since the rate type is fixed and no variable option is listed
- Applicants living outside Germany, since eligibility requires a fixed residence and a fixed bank account in Germany
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 | Interhyp |
|---|---|---|
| Germany | Yes | Yes |
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.
Interhyp
How much does Interhyp charge to arrange a mortgage?+
The origination fee is 0 EUR and the product fee is €0, so arranging a secured loan adds no separate charge. What you pay is the interest itself, starting at an initial rate of 4.08% with an APRC of 4.08%.
What rate does Interhyp offer and for how long?+
Rates are fixed rather than variable, with the rate type given as fixed. The initial rate is 4.08% and the APRC is 4.08%, the fixed period is 10 and terms run 120 to 240.
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