wertfaktor review

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

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Our verdict

wertfaktor suits German homeowners who want to raise cash without moving, by selling part of the property rather than remortgaging it. The payout follows the notary appointment, and terms run 120 to 360 on the share you sell, with Fast payout (Schnellauszahlung) after the notary appointment once the paperwork is done.

Key facts

Best for
German owners who will not move and will sell part of the property.
Term
120 to 360 months (Source, checked September 26, 2026)
Arrangement fee
Durchfuehrungsentgelt of 3.3% of the property value, deducted from the final payout on the complete sale (Source, checked September 26, 2026)
Funding time
Fast payout (Schnellauszahlung) after the notary appointment (Source, checked September 26, 2026)
Representative example
Property worth 500,000 EUR, payout of 125,000 EUR (25%); after deducting the 3.3% Durchfuehrungsentgelt and assuming 2.5% annual value growth you receive a further 458,911 EUR after 10 years (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Germany only; partial sale of at most 50% of the property; occupied or tenanted properties accepted (Source, checked September 26, 2026)
Origination fee (%)
3.3% (Source, checked September 26, 2026)
Loan types
Secured (Source, checked September 26, 2026)
Legal entity
wertfaktor Immobilien GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
wertfaktor.de

Mortgages

Maximum loan to value
50% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Equity-release (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
wertfaktor Immobilien GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
TrustpilotLinkedInXxing.com

Pros and cons

Pros

  • The arrangement charge of 3.3% is deducted from the final payout rather than collected at the start.
  • The product fee is free, and support runs on phone, email and help centre.
  • Payout timing is clearly set out: Fast payout (Schnellauszahlung) after the notary appointment.
  • The eligibility rules take occupied and tenanted properties, so existing tenants can stay.

Cons

  • Borrowing stops at 50% of the property value, well below the 90% seen across secured lenders.
  • The rate is variable, so the cost of the money follows the market.
  • Payout timing depends on the notary appointment: Fast payout (Schnellauszahlung) after the notary appointment.
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Who it suits

  • German homeowners who want cash without moving or remortgaging.
  • Owners of a home they live in or let, since the eligibility rules accept occupied and tenanted property.
  • Owners who will sell the remaining share later, when the arrangement charge is settled.

Who should look elsewhere

  • Anyone outside Germany, as the property sale covers a single market.
  • Owners who need the whole property value, since only a capped share at 50% is released.
  • Borrowers who want a loan rather than a sale, such as Sofkredit at 6 to 240.

How your money is protected

Because wertfaktor is listed as a direct lender, the payment on your property is what funds the payout rather than a panel of lenders. Its worked example shows the seller taking a share of the property value, the arrangement charge set against it, and a further sum at the end if the property value has risen each year.

The company behind it

The lender is wertfaktor Immobilien GmbH, based in Germany and trading since 2018. Support runs on phone, email and help centre, so a phone call, an email or the help centre covers most questions. It is a single market business, which keeps the process narrow and easy to follow from the first valuation.

How wertfaktor compares

Where wertfaktor is available

Available
Germany

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

Frequently asked questions

What is wertfaktor offering?+

It is a equity release product, sold as secured lending: you sell part of a property and get a payout against the home. The buyer of that share is what funds the money, so the property itself carries the arrangement.

How much can I borrow against my home?+

The ceiling is 50% of the property value, which is the share that can be sold. Terms then run 120 to 360, so the balance is settled across a long stretch and the remaining share is sold at the end.

What does it cost?+

The arrangement charge is 3.3% of the property value, taken as a Durchfuehrungsentgelt from the final payout on the complete sale, so nothing is charged at the outset. The product fee is free on top of that.

When do I get the money?+

Payout follows the notary appointment, with Fast payout (Schnellauszahlung) after the notary appointment. The transfer lands once the sale documents are signed in front of the notary, rather than while the offer is still being negotiated.

Is the rate fixed or variable?+

The rate is variable, so the cost of the money can move with the market, and the listed model is fixed rate. Owners who expect to sell the remaining share rather than hold that stake for the full term are the ones comfortable with that.

Which properties qualify?+

Eligibility covers Germany only, listed as DE, and the sale takes part of a property rather than all of it. Occupied homes and tenanted properties are accepted, so you do not have to move out or end a tenancy first.

Who am I dealing with?+

The contract is with wertfaktor Immobilien GmbH, and the business is listed as a direct lender, so the payout comes from the provider itself rather than a panel of lenders. Founded in 2018, it is a young operation with a single market focus.

How do I get help?+

Support runs on phone, email and help centre, which covers phone, email and a help centre. Questions about the notary step or the final settlement are the ones worth raising early, since the arrangement charge is taken at the end.

Sources

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

Not confirmed yet: APR, Loan amount, Credit check.

wertfaktor

wertfaktor

German owners who will not move and will sell part of the property.

8.8/10See alternatives

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