CE-Baufinanz review

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

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Our verdict

CE-Baufinanz is a German broker for permanent employees and civil servants, and the cost side carries it: an APRC of 3.78% sits well below the site median of 4.9%, with the origination fee at 0 EUR. The offer is narrow, since it is fixed rate only.

Key facts

Best for
Permanently employed German buyers and civil servants wanting a low-cost fixed-rate mortgage with no origination fee.
Initial rate
3.66% (Source, checked September 26, 2026)
APRC
3.78% (Source, checked September 26, 2026)
Fixed period
5 years (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
CE-Baufinanz GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Official website
ce-baufinanz.de

Loans

APR
3.77% to 4.2% (Source, checked September 26, 2026)
Loan amount
€400,000 (Source, checked September 26, 2026)
Term
60 to 360 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Representative example
Classic residential building finance: EUR 400,000 net loan, 10 years fixed rate, 3.68% nominal, 3.77% effective annual rate, 21 years 4 months term, 3.00% repayment (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Permanent employment or civil-servant status; self-employed applicants and employees in probation excluded in the stated rate assumptions (Source, checked September 26, 2026)
Loan types
Secured (Source, checked September 26, 2026)
Credit needed
Excellent (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
CE-Baufinanz GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate

Pros and cons

Pros

  • Origination fee of 0 EUR and product fee of €0, so no upfront cost to weigh
  • APRC of 3.78% against a site median of 4.9%
  • Borrowing from €400,000 on terms of 60 to 360
  • Support runs by email and phone

Cons

  • A variable rate is not among its rate type (fixed), so a falling market cannot be waited out
  • Self-employed applicants and employees in probation are excluded in the stated rate assumptions
  • A hard credit check means the application leaves a full search on the file
CE-Baufinanz

Ready to try CE-Baufinanz?

Scored 8.8 / 10 by BorrowCue.

See alternatives

Who it suits

  • Permanent employees and civil servants in Germany
  • First-time buyers and movers who want a low APRC on a fixed-rate deal
  • Homeowners funding renovation work through home improvement

Who should look elsewhere

  • Self-employed applicants, who are excluded in the stated rate assumptions
  • Borrowers still in probation, who are excluded in the stated rate assumptions
  • Borrowers wanting a variable rate, since fixed covers fixed deals only

Who runs it

CE-Baufinanz GmbH is a broker based in Germany, founded in 2014, and it places lending with banks rather than lending itself. It holds a permit for property loan broking from the Industrie- und Handelskammer Hamburg, listed as D-W-131-YSZA-23, and a separate registration for loan broking with the Bezirksamt Hamburg consumer and trade authority. Contact runs through email and phone.

How CE-Baufinanz compares

Where CE-Baufinanz is available

Available
Germany
Licence in Germany
Bezirksamt Hamburg - Dezernat Wirtschaft, Bauen und Umwelt - Fachamt fuer Verbraucherschutz, Gewerbe und Umwelt (Zulassung/Aufsicht nach Par. 34c GewO, Darlehensvermittler), checked September 26, 2026
Licence in Germany
Industrie- und Handelskammer Hamburg (Aufsichtsbehoerde nach Par. 34i GewO, Immobiliardarlehensvermittler) (D-W-131-YSZA-23), checked September 26, 2026

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

Frequently asked questions

What does a mortgage from CE-Baufinanz cost?+

The stated annual percentage rate is 3.77% to 4.2%, with an APRC of 3.78%, and the site median APRC is 4.9%. The origination fee is 0 EUR and the product fee is €0, so there is no upfront charge to add to the borrowing cost. The representative example runs on a long repayment term.

Are there any fees to pay at the start?+

The origination fee is 0 EUR and the product fee is €0, so both sit at the free end for this product. That keeps the entry cost low for a purchase or a remortgage. The stated rate assumptions for these terms also exclude self-employed applicants and employees in probation.

What rate type and fixed period are on offer?+

Deals are fixed for a fixed period of 5, so the rate is set for that stretch and then reset. A variable rate is not among the rate types offered. Borrowers who want flexibility on the rate after the fixed period may prefer a lender offering both.

How much can I borrow and for how long?+

Loan amounts run up to €400,000, and terms run 60 to 360. The stated purposes cover purchase, remortgage and buy-to-let, plus home improvement under home improvement. The representative example pairs a net loan with a fixed rate, a long term and part repayment.

Who can apply?+

Eligibility rests on permanent employment or civil-servant status, and self-employed applicants and employees in probation are excluded in the stated rate assumptions. The credit requirement is excellent, and the application runs a hard credit check. A full search stays on the file.

Is CE-Baufinanz regulated and how do I reach it?+

It works as a broker, so applications are placed with lending partners rather than funded directly. It is supervised in Germany for property loan broking by the Industrie- und Handelskammer Hamburg under the permit D-W-131-YSZA-23. Support runs through email and phone.

Sources

  • ce-baufinanz.de checked September 26, 2026

    Backs: Loan amount, APR, APRC, Credit needed, Eligibility, Fixed period, Founded, Initial rate, Lender type, Loan types, Pricing model, Arrangement fee, Product fee, Purpose, Rate type, Representative example, Support channels, Term

    “Nettodarlehensbetrag 400.000,00 EUR (classic residential building finance, net loan amount)”

  • ce-baufinanz.de/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

  • ce-baufinanz.de/klassische-baufinanzierung checked September 26, 2026

    Backs: Credit check

    “Assemble your personal credit documents in advance: payslips, self-assessment, income and asset situation”

  • ce-baufinanz.de/modernisierungskredite checked September 26, 2026

    Backs: Use cases

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Maximum loan to value.

CE-Baufinanz

CE-Baufinanz

Permanently employed German buyers and civil servants wanting a low-cost fixed-rate mortgage with no origination fee.

8.8/10See alternatives

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