Updated September 28, 2026 · BorrowCue Editorial Team
Baufi24 vs Global Mortgage Group
Baufi24 vs Global Mortgage Group: the differences
| Compare |  Baufi24 | Global Mortgage Group ReviewSee alternativesSee alternatives |
|---|---|---|
| Initial rate | 4.38%Lower | 4.88% |
| Fixed period | 10 yearsHigher | 1 to 2 years |
| Maximum loan to value | 90%Higher | 70% to 80% |
| Purpose | Purchase, Remortgage, Buy to let | Purchase, Remortgage, Buy to let, Equity release, Home equityCovers more |
| Product fee | €0 | Not confirmed |
Same on both: Lender type (Broker).
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Key differences
- Baufi24 scores higher overall: 8.8 vs 8.4.
- Founded is lower at Baufi24: 2008 vs 2018 to 2019.
- Global Mortgage Group is available in 9 more countries.
- Initial rate is lower at Baufi24: 4.38% vs 4.88%.
- Fixed period is higher at Baufi24: 10 years vs 1 to 2 years.
- Maximum loan to value is higher at Baufi24: 90% vs 70% to 80%.
- Support channels: only Baufi24 offers Help centre.
- Purpose: only Global Mortgage Group offers Equity release, Home equity.
Our verdict on each
Baufi24
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.
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 | Global Mortgage Group |
|---|---|---|
| Cost | 9.1HigherProduct fee is €0 and origination fee is 0 EUR, with a rate band of 4% to 4.5%. | 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 | 9.2HigherOffer runs a 10 fix, 90% loan to value and credit checking by soft prequal. | 8.3 |
| Trust | 8.4Higher | 8.1 |
Availability and regulation
| Country | Baufi24 | Global Mortgage Group |
|---|---|---|
| Germany | Handelskammer (IHK) Hamburg D-W-131-Q6N6-69 | Not confirmed |
Additional countries for Baufi24: 1. Additional countries for Global Mortgage Group: 10.
How they place
| Ranking | Baufi24 | Global Mortgage Group |
|---|---|---|
| Debt consolidation loans | 306 of 425 | 373 of 425 |
| Secured loans | 275 of 473 | 334 of 473 |
| Mortgages | 314 of 716 | 367 of 716 |
| Remortgage deals | 224 of 351 | 264 of 351 |
Every fact side by side
| Fact | Baufi24 | Global Mortgage Group |
|---|---|---|
| Legal entity | Bilthouse Service GmbH | Global Mortgage Group Pte. Ltd. |
| Headquarters | Germany | Singapore |
| Founded | 2008Lower | 2018 to 2019 |
| Support channels | Phone, Email, Help centreCovers more | Email, Phone |
Loans
| Fact | Baufi24 | Global Mortgage Group |
|---|---|---|
| APR | 4% to 4.5% | Not confirmed |
| Loan amount | €1,000 to €100,000 | SGD 500,000 to SGD 50,000,000 |
| Term | 12 to 180 monthsHigher | 12 to 24 months |
| Arrangement fee | 0 EUR | Not confirmed |
| Credit check | Soft prequal | None |
| Funding time | Financing confirmations preferably within 24 hours | Approval in 24-48 hours, funding in 5-10 days |
| 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 |
| Pricing model | Fixed rate | Fixed rate |
| Rate type | Fixed | Fixed |
| 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 |
| Loan types | Secured, Personal, Car, Debt consolidation | Bridging, Secured, Business, Debt consolidation |
| Use cases | Home improvement | Not confirmed |
Where each stands against the rest
| Fact | Baufi24 | Global Mortgage Group | Median |
|---|---|---|---|
| Initial rate | 4.38%below the median | 4.88%above the median | 4.73% |
| Fixed period | 10 yearsat the median | 1 to 2 yearslowest quarter | 10 years |
| Maximum loan to value | 90%at the median | 70% to 80%below the median | 90% |
| Product fee | €0at the median | Not confirmed | €0 |
Median across 286 listed lenders.
Pros and cons
Baufi24
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.
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.
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
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.
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 | 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
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.
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.