Baufi24 review

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

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Our verdict

Baufi24 is a German broker for property and consumer loans, suited to borrowers who want a fixed rate held for a decade with no arrangement fee. The 4.38% initial rate sits near the site median of 4.49%, and lending runs to 90% loan to value.

Key facts

Best for
A fixed-rate property loan in Germany with a long fix and no product fee.
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
Bilthouse Service 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)
Official website
baufi24.de

Loans

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
Bilthouse Service 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

Apps and profiles

Elsewhere
WikidataLinkedInXTrustpilotcrunchbase.comxing.com

Pros and cons

Pros

  • Financing confirmations are sent Financing confirmations preferably within 24 hours.
  • Support runs on phone, email and help centre, including a help centre for self service.
  • Covers purchase, remortgage and buy to let for property, and secured, personal and car for consumer borrowing.
  • A fixed rate keeps the rate steady for the whole fix.

Cons

  • Baufi24 is a broker, so the lender sets the final rate rather than the quote.
  • Its 4.38% initial rate ranks 134 of 297 on the site.
  • Property lending stops at 90% loan to value, and consumer borrowing is capped at €1,000 to €100,000 over 12 to 180.
Baufi24

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Buyers and remortgagers in Germany who want 10 of rate certainty.
  • Borrowers who would rather see a soft prequal than a hard credit search at first enquiry.
  • Anyone with home improvement in mind, the named use case for the consumer side.

Who should look elsewhere

  • Prestalo, where the initial rate is 2.36% against 4.38% here, if the lowest starting rate matters most.
  • Sofkredit, whose initial rates run 8% to 14%, for readers shopping in a much higher rate band.
  • Creditilia ES, listed at 4% initial rate, if you would rather see one lender's own rate than a broker's panel.

How Baufi24 compares

Where Baufi24 is available

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

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

Frequently asked questions

What rate does Baufi24 offer on a property loan?+

The published initial rate is 4.38%, and the rate band is 4% to 4.5%. The band is the spread lenders quote through the broker, so the rate offered depends on the property and the credit file. The published property example pairs that rate with 10 of fix at 90% loan to value.

How long does the rate stay fixed?+

The rate is fixed for 10, and the product is a fixed fixed rate deal. The site's median fixed period is 10, so this sits in the middle of the field. Nothing floats during the fix, so the monthly figure stays predictable.

What fees does Baufi24 charge?+

The product fee is €0 and the origination fee is 0 EUR. Both read as nothing, so there is no charge for setting the loan up. Interest is the main cost, and the rate band is 4% to 4.5%.

How much can I borrow?+

Consumer borrowing runs €1,000 to €100,000 over terms of 12 to 180. Property lending reaches 90% loan to value, and the published example sits at that same loan to value with 4.38% held for 10.

What credit check is used?+

Credit checking is soft prequal, so a first quote does not need a hard search. 20.4% of listings on the site work that way, while the rest rely on a hard check. A full offer still depends on the lender's own criteria.

Is Baufi24 regulated in Germany?+

Baufi24 is a broker operated by Bilthouse Service GmbH in Germany. It appears with the Handelskammer (IHK) Hamburg and with the Freie und Hansestadt Hamburg, Fachamt Verbraucherschutz, Gewerbe und Umwelt. The chamber registration reads D-W-131-Q6N6-69.

Do I borrow through Baufi24 or a bank?+

Baufi24 is a broker operated by Bilthouse Service GmbH, not a lender in its own right. Offers come from the lenders it places business with, so the rate and the credit decision belong to the lender. The published band is 4% to 4.5%.

What can I use the money for?+

Property lending covers purchase, remortgage and buy to let. The consumer side covers secured, personal and car, and the listed use case is home improvement, which makes renovation work the named example. Cars, consolidation and personal loans sit under the same broker.

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 ... Registergericht: Hamburg, HRB 107244”

  • 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.

Not confirmed yet: APRC.

Baufi24

Baufi24

A fixed-rate property loan in Germany with a long fix and no product fee.

8.8/10See alternatives

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