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Baufi24 Expats review

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

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Our verdict

Baufi24 Expats is a German property finance broker built for expats buying, remortgaging or letting in Germany, with loan amounts of €1,000 to €100,000 and a soft first credit check. It suits buyers who would rather have a broker place the case than apply to a single bank.

Key facts

Best for
Expats arranging German property finance through a broker rather than a single bank.
APR
4% to 4.5%↗
Loan amount
€1,000 to €100,000↗
Term
12 to 180 months↗
Arrangement fee
0 EUR↗
Credit check
Soft prequal↗
Funding time
Financing confirmations preferably within 24 hours↗
Representative example
Property loan example: net loan amount 300,000 EUR, 2% repayment, 90% loan-to-value, Sollzins 4.38% with 10-year fixed Zinsbindung↗
Rate type
Fixed↗
Lender type
Broker↗
Loan types
Secured, Personal, Car, Debt-consolidation↗
Use cases
Home-improvement↗
Legal entity
Baufi24 Baufinanzierung GmbH↗
Headquarters
Germany↗
Founded
2008↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Official website
baufi24.de

Mortgages

Initial rate
4.38%↗
Fixed period
10 years↗
Maximum loan to value
90%↗
Product fee
€0↗
Purpose
Purchase, Remortgage, Buy-to-let↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
WikidataLinkedInXTrustpilotxing.comyoutube.com

Pros and cons

Pros

  • A soft prequalification, soft prequal, so an early rate indication comes without a full credit search.
  • Loan amounts of €1,000 to €100,000 over terms of 12 to 180, covering property and renovation alike.
  • Speed: Financing confirmations preferably within 24 hours.
  • Support on phone, email and help centre, so a person is reachable by phone, by email or in the help centre.

Cons

  • A broker, broker, means the lender behind the deal is chosen after the application rather than up front.
  • Fixed rates only, fixed rate, so there is no variable option to pay less if base rates fall.
  • Lending is capped at 90% of the property value, so a larger deposit falls on the borrower.
Baufi24 Expats

Ready to try Baufi24 Expats?

Scored 9.2 / 10 by SumCue.

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Who it suits

  • Expats and overseas buyers purchasing a home in Germany, or remortgaging one they already own.
  • Landlords financing a buy-to-let property, with that purpose listed in purchase, remortgage and buy to let.
  • Borrowers happy to begin with a soft prequalification, soft prequal, rather than a full search straight away.

Who should look elsewhere

  • Readers shopping outside Germany: Cashspace quotes PHP 12 to PHP 36 in Philippine pesos, a different market and currency from this broker.
  • Borrowers priced on Spanish terms: the rates at Sofkredit, 10.74% to 18.06%, belong to a different lending market.
  • People who want a high minimum: Creduma ES sets a floor of from €12,000 on what it will lend.

Safety of your money

Baufi24 Expats is a broker, broker, so the bank that carries the loan is chosen after your application rather than by you. Its permission is listed with Freie und Hansestadt Hamburg, Fachamt Verbraucherschutz, Gewerbe und Umwelt, Gewerbeangelegenheiten und -erlaubnisse, licence D-W-131-Q6N6-69. The published property example pairs a large net loan with a small repayment share and a rate held fixed for the stated period.

Who runs it

Baufi24 Baufinanzierung GmbH is the legal entity behind the brand, based in Germany and operating since 2008. Support runs on phone, email and help centre, so you can call, email or use the help centre. Handelskammer Hamburg (IHK) is named as a supervisory authority alongside the Hamburg permit, D-W-131-Q6N6-69.

How Baufi24 Expats compares

Where Baufi24 Expats is available

Available
Germany
Licence in Germany
Freie und Hansestadt Hamburg, Fachamt Verbraucherschutz, Gewerbe und Umwelt, Gewerbeangelegenheiten und -erlaubnisse (D-W-131-Q6N6-69), checked September 26, 2026
Licence in Germany
Handelskammer Hamburg (IHK), supervisory authority, checked September 26, 2026

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

Frequently asked questions

What does it cost to arrange a property loan with Baufi24 Expats?+

On build finance the arrangement fee is 0 EUR and the product fee is €0, so nothing is charged up front on the property loan itself. The cost sits in the rate and the instalment instead, with a published property example built on 4.38% held for 10.

How long is the rate fixed for?+

The rate type is fixed, fixed, and the fixed stretch is 10, so payments are predictable for that part of the term. A variable option is not listed, fixed rate. Longer fixed stretches buy certainty, at the cost of missing any fall in base rates.

How much can I borrow, and for how long?+

Loan amounts run to €1,000 to €100,000 on the lending side, with terms of 12 to 180. That range covers a full property purchase as well as a car loan or debt consolidation, and every case runs through the same broker and the same soft prequalification, soft prequal.

Does Baufi24 Expats run a credit check?+

Applications start with a soft prequalification, soft prequal, so an early indication is not treated as a full credit search. The lender the broker introduces still assesses the file in its own way, and the rate you are offered follows from that assessment rather than from the prequalification.

Who regulates Baufi24 Expats?+

The brand trades as Baufi24 Baufinanzierung GmbH and holds a permit from Freie und Hansestadt Hamburg, Fachamt Verbraucherschutz, Gewerbe und Umwelt, Gewerbeangelegenheiten und -erlaubnisse, licence D-W-131-Q6N6-69. Because it is a broker, broker, the permit covers arranging finance, not holding the loan itself.

What can I use the money for?+

The lending runs to home improvement, home improvement, alongside secured, personal and car, which covers secured borrowing, personal loans, car finance and debt consolidation. The property side covers purchase, remortgage and buy to let, so buying, switching a deal or adding a rental property can all go through the same broker.

How quickly do I get a financing confirmation?+

Speed is a stated feature: Financing confirmations preferably within 24 hours. That is when a financing confirmation is issued, not when cash lands, and the broker still places the case with a lender before an offer becomes final. A quote first and a full offer after the lender review is the sequence to expect.

How do I reach support?+

Support runs on phone, email and help centre, so you can call, email or use the help centre, and the company sits in Germany. Baufi24 Baufinanzierung GmbH has traded since 2008, which is worth knowing if you want a broker with a long record in the German market.

Sources

  • baufi24.de/baufi24-baufinanzierung checked September 26, 2026

    Backs: Funding time, Arrangement fee

    “That is why we give the fastest financing confirmations, preferably within 24 hours”

  • baufi24.de/bauzinsen checked September 26, 2026

    Backs: APR, Fixed period, Initial rate, Maximum loan to value, Pricing model, Rate type, Representative example

    “For a property financing with 10-year Zinsbindung, the current Bauzinsen are between 4.0 and 4.5 percent (Sollzins)”

  • baufi24.de/immobilienfinanzierung checked September 26, 2026

    Backs: Product fee, Purpose

  • baufi24.de/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Support channels, Licences

    “Bilthouse Service GmbH, Kattrepelsbruecke 1, 20095 Hamburg”

  • baufi24.de/kredit checked September 26, 2026

    Backs: Loan amount, Credit check, Loan types, Term, Use cases

    “Ratenkredit: you choose a loan amount between 1,000 and 100,000 euros”

  • baufi24.de/presse/ueber-uns checked September 26, 2026

    Backs: Founded

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Baufi24 Expats

Baufi24 Expats

Expats arranging German property finance through a broker rather than a single bank.

9.2/10See alternatives