German Mortgage

What is an independent mortgage broker?

What is an independent mortgage broker/company?


An independent mortgage broker is an intermediary, linking the borrower like you, to a lender or mortgage company, which is usually a bank or insurance company. Your mortgage broker manages the application on your behalf, researching products, dealing with lenders, and taking the burden off of you.

What are the benefits of using an independent mortgage broker/company?


An independent mortgage broker is in the simplest terms a middleman – using their expertise and resources to take the heavy lifting out of your mortgage application. Applying for a mortgage is a timely, complicated and often drawn out procedure, and by handing over your application to a broker, you can take out a lot of the stress from applying for a mortgage.

Don’t waste time

You can save a lot of time when using a mortgage broker to apply for your mortgage. Between researching products, filling out forms, finding the best mortgage interest rates and following up with lenders, the whole process of getting a mortgage is by no means fast. By letting a mortgage company manages your mortgage application, you can free up time to focus on what matters most to you. Buying a home in Germany can be a challenging experience, so any free time you can claw back is always a positive.

Save money

There are over 450 German lenders offering mortgage products on the market currently, so choosing the best valued mortgage can be tricky without the help of a mortgage broker. Our advanced technology scans through the market, using your personal details to find the right product for you. This means you can be rest assured that you have the best mortgage offer, and avoid overpaying pricey products.

Pair your background with the right products

We take your personal and financial circumstances into account when finding the right mortgage. This requires a great understanding of your employment situation, income, debt and life events. We use this information to give you an idea of what kind of mortgage you could get. The LoanLink mortgage overview is a detailed breakdown of the mortgage product you could expect to be offered. They are sourced from actual products. This illustration includes monthly payments, interest rates, LTV ratios. It also has an adjustment function which allows you to see the effect of changing the deposit or borrowing amount has on interest rates. Most high street brokers would require you to come in for an appointment for a similar mortgage snapshot. With LoanLink you are not required to do so: Everything can be done online. Therefore, you can even manage your mortgage application at the comfort of your home anytime, even with managing your mortgage documents. However, we also happy to advice you in person in Frankfurt or Berlin.

Monday – Friday: 8am – 8pm
Saturday: 9am – 4pm

The mortgage expert team will answer any questions you might have, and guide you through your application.

So what’s the wait? Speak to one of our mortgage experts now and find out which mortgage lender fits best to you. And remember, our service is always FREE of charge, as we only paid by the lender.

What mortgage companies is LoanLink cooperating with?


Below is an extract list of mortgage company that we can help you with:

  • Allianz Lebensversicherungs AG
  • ALTE LEIPZIGER
  • Bauspar AG
  • AXA Konzern AG
  • Barclaycard
  • Bausparkasse Mainz AG
  • BBBank eG
  • BHW Bausparkasse AG
  • Commerzbank AG
  • Credit Europe Bank
  • N.V., Niederlassung Deutschland
  • Credit Life AG
  • CreditPlus Bank
  • AG Degussa Bank
  • AG Deutsche Apotheker- und Ärztebank eG
  • DKB – Deutsche Kreditbank
  • Deutsche BankPGK AG
  • Deutscher Ring Bausparkasse AG
  • DSL Bank
  • Ein Geschäftsbereich der Deutschen Postbank AG
  • ERGO Versicherungsgruppe AG
  • Generali Versicherung AG
  • Gladbacher Bank AG
  • Hannoversche Lebensversicherung
  • AG Hanseatic Bank GmbH & Co.KG
  • Höchster Pensionskasse VVaG
  • HypoVereinsbank
  • Ikano Bank GmbH
  • ING-DiBa
  • Investitionsbank Schleswig-Holstein
  • KfW Bankengruppe

  • LBS Ostdeutsche Landesbausparkasse AG
  • Liga Bank eG
  • Münchener Hypothekenbank eG
  • Münchener Verein Allgemeine Versicherungs-AG
  • National-Bank AG
  • netbank AG
  • OYAK ANKER Bank
  • PSD Banken
  • R + V Lebensversicherung AG
  • Santander Consumer Bank AG
  • SIGNAL IDUNA Krankenversicherung a.G.
  • SKG Bank
  • Sparda-Banken
  • Sparkassen
  • Süd-West-Kreditbank Finanzierung GmbH
  • Swiss Life AG
  • TARGOBANK AG & Co. KGaA
  • uniVersa Krankenversicherung a.G.
  • VERSORGUNGSWERK DER ZAHNÄRZTEKAMMER NORDRHEIN
  • Volks- und Raiffeisenbanken
  • VOLKSWOHL BUND Lebensversicherung a.G.
  • Von Essen GmbH & Co. KG
  • WL BANK AG
  • Württembergische AG
  • Wüstenrot Bausparkasse AG

If you’d like to check out the complete list of mortgage lenders that we partner with, please click here.

Our LoanLink mortgage advisors are happy to answer any questions. Our goal is to help you find the best loan.

You may email us at service@loanlink.de or by phone +49 (0) 30 5683 7535. You can also start with the LoanLink mortgage illustrator here:

Got a question about the real estate valuation or home purchase process for non-German resident in Germany? Contact us!

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