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Baufi24 review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Baufi24 lends for property purchases, remortgages and buy-to-let at a fixed rate, and both the origination fee and the product fee are €0, so it suits German borrowers who want a predictable bill. A fixed period of 10 years and lending to 90% loan to value make it a steady option.

Key facts

Best for
Fee-free fixed-rate property lending in Germany with no product or origination charge.
Initial rate
4.38%↗
Fixed period
10 years↗
Maximum loan to value
90%↗
Product fee
€0↗
Purpose
Purchase, Remortgage, Buy-to-let↗
Lender type
Broker↗
Legal entity
Bilthouse Service GmbH↗
Headquarters
Germany↗
Founded
2008↗
Support channels
Phone, Email, Help-centre↗
Official website
baufi24.de

Loans

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↗
Loan types
Secured, Personal, Car, Debt-consolidation↗
Use cases
Home-improvement↗
Pricing model
Fixed rate

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
WikidataLinkedInXTrustpilotcrunchbase.comxing.com

Pros and cons

Pros

  • The origination fee is 0 EUR and the product fee is €0, so setting the loan up costs nothing on the listed terms.
  • A fixed period of 10 years matches 10, the most common length on our data.
  • The credit check is soft prequal, so an early rate check rests on a soft prequalification rather than a full credit search.
  • Support runs on phone, email and help centre, giving you phone and email as well as a help centre.

Cons

  • The initial rate of 4.38% ranks 144 of 316, so cheaper headline offers exist on the market.
  • Baufi24 is a broker, so the lender comes from its partner panel rather than being named up front by you.
  • The consumer loan side runs amounts of €1,000 to €100,000 and terms of 12 to 180 months, which suits smaller borrowing rather than property finance.
Baufi24

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • German buyers with a deposit in place, since lending stops at 90% loan to value.
  • Borrowers who want a level payment, since fixed pricing holds for 10 years.
  • Landlords and existing owners, as the property side covers purchase, remortgage and buy to let.

Who should look elsewhere

  • Creditilia ES, quoted at 4%, if the rate alone decides your choice.
  • Prestalo, listed at 2.36%, for anyone shopping purely on the lowest headline number.
  • Sofkredit, whose initial rates run 8% to 14%, sits far above the fixed rate here and serves a different market.

How it compares on our data

On fixed period, Baufi24 sits 116 of 273 listings, which is where most of the market clusters given the common term. Initial rate is the weaker showing at 144 of 316. Maximum loan to value is the strongest, at 79 of 313.

The company behind it

Baufi24 is operated by Bilthouse Service GmbH, headquartered in Germany and trading since 2008. Support runs on phone, email and help centre, so help comes by phone, email or a help centre. Its Chamber of Industry and Commerce registration in Hamburg is D-W-131-Q6N6-69, and the consumer protection, trade and environment authority in Hamburg is named as a further regulator.

How Baufi24 compares

Where Baufi24 is available

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

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

Frequently asked questions

What rate does Baufi24 offer on property lending?+

Pricing is fixed, with an initial rate of 4.38% and an overall range of 4% to 4.5%. The rate is held for 10 years, so your payment stays level through the fixed stretch before it is reset.

What fees does Baufi24 charge?+

The origination fee is 0 EUR and the product fee is €0, so the listed charges on the property product are nil. That leaves the interest and the loan itself as the things to compare, with no setup charge to add to your budget.

How much can I borrow against a property?+

Lending reaches a maximum of 90% loan to value, which sits at the top of what most listings on our data allow. The property product covers purchase, remortgage and buy to let, so purchases, remortgages and buy-to-let buys are all handled.

Does Baufi24 run a credit check?+

The credit check is soft prequal, so an early rate quote rests on a soft prequalification rather than a full credit search. That keeps a first look at the rate light on your credit file, and you can see the cost before committing.

How quickly does Baufi24 confirm financing?+

Speed is part of the pitch, with a stated aim of Financing confirmations preferably within 24 hours. That covers the confirmation stage rather than a promise of cash the same day, so you should still allow time for the valuation and offer steps before any money moves.

Who regulates Baufi24?+

Baufi24 is operated by Bilthouse Service GmbH in Germany. Its registration with the Chamber of Industry and Commerce in Hamburg is D-W-131-Q6N6-69, and the Free and Hanseatic City of Hamburg consumer protection, trade and environment authority is named as a further regulator.

How do you reach Baufi24 for help?+

Support runs on phone, email and help centre, so you can go by phone, by email or through the help centre. Live chat is not among the listed channels, which matters if you would rather type back and forth with an adviser in real time.

Does Baufi24 lend for anything other than property?+

The consumer side covers secured, personal and car loans, aimed at home improvement projects. Amounts run €1,000 to €100,000 with terms of 12 to 180 months, so these are smaller loans to sit alongside, not a substitute for the property product.

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 ... Registergericht: Hamburg, HRB 107244”

  • 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.

Not confirmed yet: APRC.

Baufi24

Baufi24

Fee-free fixed-rate property lending in Germany with no product or origination charge.

9.0/10See alternatives