01Digital
Upload documents
Upload your documents securely. The preliminary review identifies missing or unreadable documents early.
- ID & salary statements
- Property documents such as the sales brochure
- Instant AI document check
Your mortgage, digitally prepared and personally supported.
Mortgage brokerage directly through HypoTech. We guide you from document review and rate comparison through targeted bank submission. The selected bank makes the credit decision.
Financing file
Your next steps
Documents92%
Rate comparisonprepared
Consultationpersonal
Bank submissionnext
Your documents remain protected
- Authorised under section 34i GewOIntermediary register no. D-W-175-8E9E-37
- Documents captured onceA structured file instead of paper copies.
- Data processed in the EUEncrypted storage in AWS Frankfurt.
- More than 400 banksA broad network for a suitable comparison.
Purchase financing
Buy a home with a clear financing path
Upload documents, compare offers and move to bank submission through a guided digital process.
Refinancing
Plan your follow-up financing early
Secure new terms before your fixed-rate period ends and keep every step transparent.
Renovation loan
Finance upgrades with a structured application
For modernization, energy upgrades and renovation plans with a digital preliminary review.
Digital, step by step
Your path to financing: digital and transparent
We check completeness, clarify open points, submit your documents to suitable banks, and support you through closing.
02After preparation
Compare suitable terms
Once your information is complete, suitable terms are compared for your circumstances.
- Consider your individual situation
- Compare terms transparently
- Assess the selection professionally
03Your choice
Needs assessment your way
Clarify open questions digitally with the AI assistant or in a personal conversation. Advice and recommendations come from your adviser.
Digital needs assessment with the AI assistantRecommended
Clarify questions digitally and systematically
Live Call
Personal consultation by appointment
04Depends on the bank
Brokerage and bank review
As your broker, HypoTech submits your documents to suitable banks and coordinates follow-up questions with you. The bank makes the credit decision.
- Brokerage through HypoTech
- Targeted bank submission
- Application status at a glance
Timing and outcome cannot be guaranteed.
Capture documents digitally
Free • Non-binding • Credit-neutral comparison
The practical difference
What makes preparation clearer
Structured preparation creates clarity and can avoid unnecessary loops in the financing process.
Less idle time in the process
Digital capture and an early completeness check can shorten preparation. The selected bank determines how long its review takes.
Prepare digitally
You handle details, documents, and follow-up questions largely online. Whether an in-person appointment is required depends on the financing partner.
Reduce follow-up questions early
The pre-check identifies potential gaps and readability issues before submission. This can reduce bank follow-ups, but cannot eliminate them.
Broad rate comparison
We compare terms across a broad banking network and show suitable options for your circumstances.
AI-assisted preparation and professional review
The digital pre-check structures details and documents. Open or complex points are clarified personally.
Clear application status
Progress indicators show which details are available, which documents are missing, and what happens next.
Protection without ambiguity
Trust & Security
Financial decisions require transparency. We state review status, responsibilities, and prerequisites clearly.
Encrypted transmission
Encrypted transmission between your browser and HypoTech
Data stored in Frankfurt
Your data is stored in Frankfurt; the AI assistant and the automated check of your documents run in data centres in the EU.
Broad market comparison
Suitable financing partners depend on your individual plans and circumstances
Clear responsibilities
You always know who is responsible for the next step.
Your role
Provide information and make decisions
You provide your details and documents, clarify open questions and select the option that suits you.
hypotech
Prepare, compare and advise
We structure your file, assess completeness, compare suitable terms and prepare the bank submission with you.
Selected bank
Review and decide
The bank reviews the submitted application, may request further information and makes the credit decision.
Before you begin
Frequently Asked Questions about Online Mortgages
Everything you need to know about the digital financing process
How quickly will I receive a mortgage approval?
Timing depends on the selected bank, document completeness, and case complexity. Our pre-check can highlight missing information early; the bank determines the credit decision and processing time.
What documents do I need for the mortgage?
You need: ID, salary statements from the last 3 months, current pension information, bank statements, and property documents such as the sales brochure, land registry extract (Grundbuchauszug) and draft purchase contract.
Is the financing request free?
Yes, the request is completely free and non-binding. The consultation with our experts is also free of charge.
Do I have to go to the bank in person?
You can provide details and documents digitally. Whether a personal appointment is later required depends on the selected financing partner and your plans.
How does HypoTech protect my data?
Your application and document data is stored encrypted in Frankfurt. The automated document check and the AI assistant run in data centres in the EU. Transmission between your browser and HypoTech is encrypted; the lender always makes the lending decision. The privacy policy has the details.
How does HypoTech support the financing process?
We review your documents, compare suitable terms, advise you, submit the financing in a targeted way and support you with follow-up questions through closing. The selected bank remains the lender and makes the credit decision.
Start your mortgage brokerage request?
Start digitally. Free and non-binding.
Free • Non-binding • Credit-neutral comparison