Updated September 28, 2026 · BorrowCue Editorial Team
Baufi24 Expats vs Interhyp
Where Baufi24 Expats and Interhyp differ
| Compare |  Baufi24 Expats |  Interhyp |
|---|---|---|
| APR | 4% to 4.5%Lower | 4.08% to 4.7% |
| Loan amount | €1,000 to €100,000 | €375,000Higher |
| Term | 12 to 180 months | 120 to 240 monthsHigher |
| Credit check | Soft prequal | Hard |
| Funding time | Financing confirmations preferably within 24 hours | 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 | Property loan example: net loan amount 300,000 EUR, 2% repayment, 90% loan-to-value, Sollzins 4.38% with 10-year fixed Zinsbindung | 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 |
| Loan types | Secured, Personal, Car, Debt consolidationCovers more | Secured |
| Eligibility | Not confirmed | Adult of legal age and fully legally capable, regular income, fixed residence and fixed bank account in Germany, creditworthy |
Same on both: Arrangement fee (0 EUR), Rate type (Fixed), Lender type (Broker), Use cases (Home improvement).
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Key differences
- Founded is lower at Interhyp: 1999 vs 2008.
- APR is lower at Baufi24 Expats: 4% to 4.5% vs 4.08% to 4.7%.
- Loan amount is higher at Interhyp: €375,000 vs €1,000 to €100,000.
- Term is higher at Interhyp: 120 to 240 months vs 12 to 180 months.
- Loan types: only Baufi24 Expats offers Personal, Car, Debt consolidation.
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.
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 | Baufi24 Expats | Interhyp |
|---|---|---|
| Cost | 9.5Higher | 9.3Origination fee 0 EUR and product fee €0, with an initial rate of 4.08% and an APRC of 4.08%. |
| Offer | 9.2Fixed property rates of 4% to 4.5% and a €0 product fee on lending. | 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 |
From lowest to highest
| Fact | Baufi24 Expats | Interhyp |
|---|---|---|
| APR | 4% to 4.5% | 4.08% to 4.7% |
| Term | 12 to 180 months | 120 to 240 months |
What we checked
Baufi24 Expats
- baufi24.de: 16 facts, checked September 26, 2026
Interhyp
- interhyp.de: 17 facts, checked September 26, 2026
How they place
| Ranking | Baufi24 Expats | Interhyp |
|---|---|---|
| Secured loans | 129 of 473 | 136 of 473 |
| Mortgages | 158 of 716 | 165 of 716 |
| Remortgage deals | 110 of 351 | 116 of 351 |
| Home improvement loans | 216 of 562 | 228 of 562 |
Every fact side by side
| Fact | Baufi24 Expats | Interhyp |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Legal entity | Baufi24 Baufinanzierung GmbH | Interhyp AG |
| Headquarters | Germany | Germany |
| Founded | 2008 | 1999Lower |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Mortgages
| Fact | Baufi24 Expats | Interhyp |
|---|---|---|
| Initial rate | 4.38% | 4.08%Lower |
| APRC | Not confirmed | 4.08% |
| Fixed period | 10 years | 10 years |
| Maximum loan to value | 90% | 100%Higher |
| Product fee | €0 | €0 |
| Purpose | Purchase, Remortgage, Buy to letCovers more | Purchase, Remortgage |
Where each stands against the rest
| Fact | Baufi24 Expats | Interhyp | Median |
|---|---|---|---|
| APR | 4% to 4.5%lowest quarter | 4.08% to 4.7%lowest quarter | 8.99 |
| Loan amount | €1,000 to €100,000highest quarter | €375,000highest quarter | €40,000 |
| Term | 12 to 180 monthshighest quarter | 120 to 240 monthshighest 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
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
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
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
Country by country
| Country | Baufi24 Expats | Interhyp |
|---|---|---|
| Germany | Yes | Yes |
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.
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.