Updated September 28, 2026 · BorrowCue Editorial Team
Baufi24 Expats vs Global Mortgage Group
What sets them apart
| Compare |  Baufi24 Expats | Global Mortgage Group ReviewSee alternativesSee alternatives |
|---|---|---|
| Loan amount | €1,000 to €100,000 | SGD 500,000 to SGD 50,000,000 |
| Term | 12 to 180 monthsHigher | 12 to 24 months |
| Credit check | Soft prequal | None |
| Funding time | Financing confirmations preferably within 24 hours | Approval in 24-48 hours, funding in 5-10 days |
| Loan types | Secured, Personal, Car, Debt consolidation | Bridging, Secured, Business, Debt consolidation |
| APR | 4% to 4.5% | Not confirmed |
| Arrangement fee | 0 EUR | Not confirmed |
| 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 | Not confirmed |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Not confirmed | No age limit and no income requirement; in Singapore borrowers must qualify as an Accredited Investor |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Broker).
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Key differences
- Baufi24 Expats scores higher overall: 9.1 vs 8.4.
- Founded is lower at Baufi24 Expats: 2008 vs 2018 to 2019.
- Global Mortgage Group is available in 9 more countries.
- Term is higher at Baufi24 Expats: 12 to 180 months vs 12 to 24 months.
- Support channels: only Baufi24 Expats offers Help centre.
- Loan types: only Baufi24 Expats offers Personal, Car.
- Loan types: only Global Mortgage Group offers Bridging, Business.
Our verdict on each
Baufi24 Expats
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.
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 | Baufi24 Expats | Global Mortgage Group |
|---|---|---|
| Cost | 9.5Higher | 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 | 9.2HigherFixed property rates of 4% to 4.5% and a €0 product fee on lending. | 8.3 |
| Trust | 8.6Higher | 8.1 |
Also worth a look
Sofkredit has term at 6 to 240 months, against 12 to 180 months for Baufi24 Expats and 12 to 24 months for Global Mortgage Group.
Sofkredit reviewHow they place
| Ranking | Baufi24 Expats | Global Mortgage Group |
|---|---|---|
| Debt consolidation loans | 164 of 425 | 373 of 425 |
| Secured loans | 129 of 473 | 334 of 473 |
| Mortgages | 158 of 716 | 367 of 716 |
| Remortgage deals | 110 of 351 | 264 of 351 |
Every fact side by side
| Fact | Baufi24 Expats | Global Mortgage Group |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Legal entity | Baufi24 Baufinanzierung GmbH | Global Mortgage Group Pte. Ltd. |
| Headquarters | Germany | Singapore |
| Founded | 2008Lower | 2018 to 2019 |
| Support channels | Phone, Email, Help centreCovers more | Email, Phone |
Mortgages
| Fact | Baufi24 Expats | Global Mortgage Group |
|---|---|---|
| Initial rate | 4.38%Lower | 4.88% |
| Fixed period | 10 yearsHigher | 1 to 2 years |
| Maximum loan to value | 90%Higher | 70% to 80% |
| Product fee | €0 | Not confirmed |
| Purpose | Purchase, Remortgage, Buy to let | Purchase, Remortgage, Buy to let, Equity release, Home equityCovers more |
Where each stands against the rest
| Fact | Baufi24 Expats | Global Mortgage Group | Median |
|---|---|---|---|
| APR | 4% to 4.5%lowest quarter | Not confirmed | 8.99 |
| Term | 12 to 180 monthshighest quarter | 12 to 24 monthslowest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
Baufi24 Expats
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%
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
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
Baufi24 Expats
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
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
Country by country
| Country | Baufi24 Expats | 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
Baufi24 Expats
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.
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.