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HausVorteil

  • Turning Real Estate Equity 
    ​into Opportunity

Leading Equity Release Provider in Germany

HausVorteil AG is a real estate holding company specializing in recapitalization and brokerage solutions.
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​Through a diversified product portfolio and a clear B2B focus, HausVorteil empowers partners in the real estate, finance, and insurance sectors to broaden their service offerings under attractive and sustainable terms. Our scalable, customizable products address the increasing demand for equity release solutions among the growing 50+ demographic, while also appealing to younger homeowners and families seeking flexible access to property capital

> 280

properties acquired

Strong market penetration and consistent deal flow with an average property value in partial acquisitions of approximately
EUR 250,000.

< 65%

loan-to-value ratio

We maintain a disciplined financing strategy that ensures portfolio stability and favorable refinancing conditions across all assets.

> EUR 75m

loan volume

Our acquisitions are financed through a balanced mix of bank loans, equity capital, and alternative financing sources, supporting sustainable growth and capital efficiency.

Our Business Areas

HausVorteil AG operates across three core business areas that together form a vertically integrated real estate platform: Portfolio Development, Portfolio Management, and Real Estate Brokerage. Each area contributes to a diversified revenue base and supports the company’s long-term value creation strategy.

Portfolio Development

HausVorteil invests primarily in owner-occupied residential properties - including single-family and two-family homes, condominiums, and residential land - across Germany, Austria, and Switzerland.

Depending on market conditions and acquisition profiles, assets are either held long term for value appreciation or strategically divested following targeted development measures.

 

HausVorteil utilizes a range of proven equity release models, such as

  • Partial purchase with guaranteed right of use
  • Sale and leaseback
  • Total purchase with right of residence
  • Acquisition of land with hereditary building rights

Acquisitions are financed through a balanced mix of bank loans, equity capital, and alternative financing structures. Each property is individually financed within framework agreements, secured by first-ranking land charges in favor of partner banks - ensuring transparency, control, and capital efficiency.

Learn more: Equity release

Portfolio Management

HausVorteil AG manages and administers both its own portfolio and third-party real estate assets. The objective is to ensure sustainable value growth and efficient, transparent asset management. Services cover the full asset lifecycle — from acquisition support and rental management to modernization strategies and disposals — enabling optimized performance and long-term capital preservation for all stakeholders.


Our goal is to ensure the sustainable value appreciation of the managed assets while providing efficient, transparent, and service-oriented administration. Through professional asset and property management, return potential is optimized and operational risk is minimized—enhancing the attractiveness of the properties for investors and partners.

Real Estate Brokerage

Through its brokerage division HV Makler, HausVorteil provides comprehensive transaction and advisory services in the residential and commercial real estate sectors. As a licensed broker (§ 34c GewO), the company facilitates off-market investment opportunities for private and institutional clients, combining traditional brokerage expertise with structured real estate know-how.

 

Activities include the brokerage of owner-occupied properties, apartment buildings, and commercial assets, as well as the placement of innovative investment models such as partial purchase, hereditary building rights, and sale-and-leaseback solutions.

 

Leveraging a broad network of partners, data-driven market analysis, and digitized transaction processes, HausVorteil ensures efficient, transparent, and trust-based transactions — creating measurable value for both clients and investors.

Learn more: HV Makler

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Why HausVorteil?

A Scalable Business Model with Distinct Competitive Advantages

HausVorteil AG is the only multi-product provider in the German equity release market with a dedicated B2B sales focus. Our vertically integrated platform unites real estate acquisition, portfolio management, and resale, creating operational synergies and strong, sustainable margins. The model is designed for scalability, with diversified income streams and a capital-efficient structure that supports steady growth and resilience across market cycles.

Growth with Social and Economic Relevance

By 2030, more than 20 million Germans aged 67 and above will seek innovative housing and financing solutions. HausVorteil directly addresses this demographic shift with tailor-made equity release products — from partial sales and sale-and-leaseback models to lifetime annuity and right-of-residence solutions.

Our approach not only unlocks residential property capital but also contributes to financial security and social stability for an aging population. This combination of profitable growth potential and measurable social impact positions HausVorteil as a long-term value creator in one of Europe’s most promising real estate segments.