“Can a mortgage broker remain the dominant private-financing channel in Germany as banks digitize their direct offerings?”
Interhyp was founded in 1999 by two former bankers as a broker of private residential mortgages in Germany, disrupting the traditional bank-branch mortgage channel. The company IPO'd in 2005 and was taken private in 2008 by ING Group, under which it has grown into Germany's largest private mortgage broker with 140+ locations, 1,400 employees, and over 2.1 million financed customers. Its business is pure intermediation — Interhyp compares offers from 500+ lender partners and originates on their books; it holds no bank license itself and only tied-agent insurance authorization.
Interhyp's embedded insurance is provided by Cardif Allgemeine Versicherung (BNP Paribas Cardif).
The Embedded Finance Index 2026 maps 2 layers in Interhyp's stack: Lending (Baufinanzierung (mortgage brokerage), Anschlussfinanzierung (follow-on financing), Modernisierungskredit (modernization loan) and Ratenkredit (consumer installment loan comparison)); Insurance (Cardif Allgemeine Versicherung (BNP Paribas Cardif)).
Interhyp was founded by Robert Haselsteiner and Marcus Wolsdorf and is founded in 1999, headquartered in Munich, Germany.
Get a read on where your own stack stands against Interhyp and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.