Interhyp review

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

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Our verdict

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.

Key facts

Best for
Fixed-rate home finance in Germany with no arrangement fee.
Initial rate
4.08% (Source, checked September 26, 2026)
APRC
4.08% (Source, checked September 26, 2026)
Fixed period
10 years (Source, checked September 26, 2026)
Maximum loan to value
100% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Interhyp AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Official website
interhyp.de

Loans

APR
4.08% to 4.7% (Source, checked September 26, 2026)
Loan amount
€375,000 (Source, checked September 26, 2026)
Term
120 to 240 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
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 (Source, checked September 26, 2026)
Representative example
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 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Adult of legal age and fully legally capable, regular income, fixed residence and fixed bank account in Germany, creditworthy (Source, checked September 26, 2026)
Loan types
Secured (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Interhyp AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate

Apps and profiles

Elsewhere
WikidataLinkedInXTrustpilotvermittlerregister.info

Pros and cons

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
  • Maximum loan to value of 100%, ranking at 4 of 293

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
Interhyp

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Scored 9.1 / 10 by BorrowCue.

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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

How your money is protected

Regulatory standing comes through the IHK fuer Muenchen und Oberbayern. Interhyp appears in the German Immobiliardarlehensvermittlerregister under that authority with the number D-W-155-5291-91, and holds a second entry in the Versicherungsvermittlerregister as D-8502-M83CB-72. Both entries are supervision records, so the registers show who answers for the advice given on a loan.

The company behind it

The legal entity is Interhyp AG, headquartered in Germany and operating since 1999. Support runs on phone, email and help centre, covering phone, email and a help centre. The same authority, IHK fuer Muenchen und Oberbayern, holds the property loan register entry D-W-155-5291-91 and the insurance mediation entry D-8502-M83CB-72.

How Interhyp compares

Where Interhyp is available

Available
Germany
Licence in Germany
IHK fuer Muenchen und Oberbayern (Aufsichtsbehoerde nach Paragraf 34i GewO, Immobiliardarlehensvermittlerregister) (D-W-155-5291-91), checked September 26, 2026
Licence in Germany
IHK fuer Muenchen und Oberbayern (Aufsichtsbehoerde nach Paragraf 34c GewO, Versicherungsvermittlerregister) (D-8502-M83CB-72), checked September 26, 2026

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

Frequently asked questions

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.

How much can I borrow against a property?+

The maximum loan to value is 100%, and the worked calculator example puts the loan amount at €375,000. Borrowing is secured against the property, since secured is the loan type offered.

Does Interhyp run a credit check?+

The credit check is hard, so a file is assessed in full rather than soft prequalified. Applicants must also be adults of legal age and fully legally capable, with regular income, a fixed residence and a fixed bank account in Germany.

How quickly is the money paid out?+

On an existing property purchase the loan is disbursed in a single payment once the land registry charge is registered. For new builds the money follows construction progress, paid in instalments, which matters when a loan of €375,000 funds the build.

Is Interhyp a lender or a broker?+

It is a broker, listed as broker, so an application goes to a lending partner rather than to Interhyp's own book. The legal entity is Interhyp AG, based in Germany and operating since 1999.

What registration or supervision does Interhyp hold?+

Its standing comes from the IHK fuer Muenchen und Oberbayern, which supervises German property loan intermediaries. The entry in the German Immobiliardarlehensvermittlerregister is D-W-155-5291-91, and a separate insurance mediation entry is D-8502-M83CB-72.

What can I use an Interhyp loan for?+

The stated purposes are purchase and remortgage, covering a home purchase and a remortgage, and home improvement is listed as a use case. Rates are fixed at fixed, so a variable deal is not among the options offered.

How can I reach Interhyp?+

Support runs on phone, email and help centre, so phone, email and a help centre are the listed routes. That covers spoken advice on rate and repayment questions as well as written questions on documents, with the help centre handling the same ground.

Sources

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Interhyp

Interhyp

Fixed-rate home finance in Germany with no arrangement fee.

9.1/10See alternatives

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