Baufi24 Expats review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Baufi24 Expats is a German broker worth a look for property buyers who want fixed rates on homes, remortgages and buy-to-let. It suits borrowers who value fixed pricing held for 10 over flexibility, and it charges €0 on property lending.

Key facts

Best for
Property buyers and remortgagers in Germany who want a fixed rate and no product fee.
APR
4% to 4.5% (Source, checked September 26, 2026)
Loan amount
€1,000 to €100,000 (Source, checked September 26, 2026)
Term
12 to 180 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Financing confirmations preferably within 24 hours (Source, checked September 26, 2026)
Representative example
Property loan example: net loan amount 300,000 EUR, 2% repayment, 90% loan-to-value, Sollzins 4.38% with 10-year fixed Zinsbindung (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Loan types
Secured, Personal, Car, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Baufi24 Baufinanzierung GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2008 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
baufi24.de

Mortgages

Initial rate
4.38% (Source, checked September 26, 2026)
Fixed period
10 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, Buy-to-let (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Baufi24 Baufinanzierung GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2008 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataLinkedInXTrustpilotxing.comyoutube.com

Pros and cons

Pros

  • Fixed property rates of 4.38% with a fixed period of 10
  • No product fee on property lending, at €0
  • Lending up to a maximum loan to value of 90%
  • Property lending covers purchase, remortgage and buy to let, plus €1,000 to €100,000 on personal and home improvement loans

Cons

  • A broker, so broker means the lender sits behind the application rather than a direct lender
  • Personal loans carry a rate of 4% to 4.5% against 4.38% on property lending
  • Support runs on phone, email and help centre only
Baufi24 Expats

Ready to try Baufi24 Expats?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • German property buyers planning a purchase, remortgage or buy-to-let
  • Borrowers who want a fixed rate held for 10
  • Anyone funding home improvement or a car with €1,000 to €100,000

Who should look elsewhere

  • Monzo Flex readers after an app-led loan at 10% to 23%, since Baufi24 Expats serves a single market
  • Cashspace at PHP 12 to PHP 36, which costs far less than 4% to 4.5%
  • Borrowers who want a variable rate, since fixed applies to every loan offered

Safety and regulation

Baufi24 Expats is a broker, not the lender, so an application is placed with a bank partner rather than funded from one balance sheet. Its permissions are registered with Freie und Hansestadt Hamburg, Fachamt Verbraucherschutz, Gewerbe und Umwelt, Gewerbeangelegenheiten und -erlaubnisse, under reference D-W-131-Q6N6-69. The published property loan example pairs a fixed rate with high loan to value, a useful anchor for a monthly payment.

Who runs it

Baufi24 Baufinanzierung GmbH runs the service, is based in Germany and has been trading since 2008. It works as an intermediary, matching property and personal loan requests with bank partners, and its permissions appear as D-W-131-Q6N6-69. Support runs on phone, email and help centre, so questions reach a person by phone, by email or through the help centre.

How Baufi24 Expats compares

Where Baufi24 Expats is available

Available
Germany
Licence in Germany
Freie und Hansestadt Hamburg, Fachamt Verbraucherschutz, Gewerbe und Umwelt, Gewerbeangelegenheiten und -erlaubnisse (D-W-131-Q6N6-69), checked September 26, 2026
Licence in Germany
Handelskammer Hamburg (IHK), supervisory authority, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Baufi24 Expats charge on a property loan?+

Property lending is priced at 4.38% on a fixed basis, with rates running 4% to 4.5% across the range offered. The rate stays fixed for 10, so monthly payments do not move when market rates shift. A property loan example works out at 90% loan to value.

Are there arrangement or product fees?+

The product fee on property lending is €0, and origination is 0 EUR, so no upfront charge is added on top of the rate. The rate itself is the main cost to weigh, at 4.38% on a fixed basis, held for 10.

Is Baufi24 Expats a lender or a broker?+

It is a broker, registered as Baufi24 Baufinanzierung GmbH in Germany. That means the money comes from a bank partner rather than from Baufi24 directly, and the offer depends on which lender is matched to you. Pricing is fixed, with a rate of 4.38% and a fixed period of 10.

Who regulates the company?+

It is permitted in Germany and its registration appears as D-W-131-Q6N6-69 with Freie und Hansestadt Hamburg, Fachamt Verbraucherschutz, Gewerbe und Umwelt, Gewerbeangelegenheiten und -erlaubnisse. Handelskammer Hamburg also acts as a supervisory authority. Trading dates back to 2008.

How much can I borrow and for how long?+

Personal, car, home improvement and debt consolidation lending is offered, running €1,000 to €100,000 over a term of 12 to 180. Home improvement is the named use case, and property lending goes to 90% loan to value, with a published example at 4.38% held for 10.

How quickly are financing confirmations issued?+

Confirmations are issued with Financing confirmations preferably within 24 hours. That is the point at which the bank has committed to the terms, rather than when the money lands. If speed on the day matters, check that timeline against the term of 12 to 180 you need.

What kinds of loan can I arrange?+

The book covers secured, personal and car, plus purchase, remortgage and buy to let property lending. Use cases name home improvement, so home improvement is the main personal loan route. Personal loan rates run 4% to 4.5%, above the 4.38% available on property.

How do I get help or complain?+

The listed routes are phone, email and help centre, so phone, email and the help centre are the channels in place. The company operating the service is Baufi24 Baufinanzierung GmbH, based in Germany, and its permissions sit with the Hamburg consumer protection authority.

Does it deal in variable rates?+

No. The rate type is fixed and the model is fixed rate, so the deal holds at 4.38% for 10 before it resets. Borrowers who want to follow market falls instead would need a variable lender.

Sources

  • baufi24.de/baufi24-baufinanzierung checked September 26, 2026

    Backs: Funding time, Arrangement fee

    “That is why we give the fastest financing confirmations, preferably within 24 hours”

  • baufi24.de/bauzinsen checked September 26, 2026

    Backs: APR, Fixed period, Initial rate, Maximum loan to value, Pricing model, Rate type, Representative example

    “For a property financing with 10-year Zinsbindung, the current Bauzinsen are between 4.0 and 4.5 percent (Sollzins)”

  • baufi24.de/immobilienfinanzierung checked September 26, 2026

    Backs: Product fee, Purpose

  • baufi24.de/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Support channels, Licences

    “Bilthouse Service GmbH, Kattrepelsbruecke 1, 20095 Hamburg”

  • baufi24.de/kredit checked September 26, 2026

    Backs: Loan amount, Credit check, Loan types, Term, Use cases

    “Ratenkredit: you choose a loan amount between 1,000 and 100,000 euros”

  • baufi24.de/presse/ueber-uns checked September 26, 2026

    Backs: Founded

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Baufi24 Expats

Baufi24 Expats

Property buyers and remortgagers in Germany who want a fixed rate and no product fee.

9.1/10See alternatives

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