HausVorteil - Blog #English

HausVorteil AG Expands Licensing Basis for Real Estate Loans and Insurance

Wed, 10 Jun 2026 07:08:41 +0200

HausVorteil AG receives authorisations pursuant to Sections 34i and 34d of the German Trade Regulation Act (GewO)
Registration in the intermediary registers creates the basis for the further expansion of BodoBroker
Customers and investors are to gain access to real estate, financing and insurance solutions from a single source

HausVorteil AG (Ticker: KA1 / ISIN: DE000A31C222) has received authorisation from the Hamburg Chamber of Commerce to act as a real estate loan intermediary pursuant to Section 34i of the German Trade Regulation Act (GewO) and as an insurance intermediary pursuant to Section 34d GewO. In addition, the company has been entered in the corresponding intermediary registers. This expands HausVorteil’s regulatory basis for the further development of the BodoBroker platform and creates additional prerequisites for integrating real estate-related financing and insurance solutions into the existing business model in a structured manner.

With the new authorisations, HausVorteil AG can specifically expand its range of services relating to equity release, real estate brokerage and structured real estate transactions. The objective is not only to provide owners, investors and professional market participants with access to suitable real estate opportunities via BodoBroker, but also, prospectively, to offer complementary solutions in the areas of real estate loans and insurance.

In the area of real estate loan intermediation, HausVorteil plans to broker suitable financing offers in the future as a partner of ProHyp and in cooperation with selected broker pools. BodoBroker is thus intended to be developed into a platform through which real estate opportunities, financing solutions and transaction-related services can be brought together more efficiently. For investors, this can create additional value, particularly in the review and implementation of acquisitions, co-buyer structures, land acquisitions with heritable building rights, or other equity-release models.

The authorisation pursuant to Section 34d GewO also opens up new opportunities in the insurance sector. In the context of real estate transactions, financing and long-term usage concepts, insurance-related issues regularly arise. These include, for example, building insurance, liability solutions, insurance coverage in connection with financing and ownership, as well as other product-specific insurance matters. HausVorteil intends to integrate these topics into the platform offering in the future through suitable partner structures and broker pools.

“With the authorisations pursuant to Sections 34i and 34d GewO, we are creating an important basis for the next stage of BodoBroker’s development. Our goal is to more closely connect real estate, financing partners, insurance providers, investors and customers. Equity-release structures in particular often involve complex interfaces between property value, financing, insurance coverage and long-term use. This is where we aim to create additional value in the future and make relevant solutions accessible from a single source,” explains Sören Ploschke, CFO of HausVorteil AG.

For HausVorteil AG, the expansion of its licensing basis is another building block of its platform and capital markets strategy. While BodoBroker is already positioned as a digital access point for investors and selected real estate opportunities in the field of equity release, the platform is to be further developed into a more comprehensive network for property owners, investors, financing partners, insurance providers and specialised service providers.

The specific intermediation of real estate loans and insurance will be carried out in accordance with the applicable statutory requirements and depending on the respective product, provider and individual customer situation. Through cooperation with established partners, broker pools and financing platforms, a broad range of suitable solutions is to be made accessible, without HausVorteil issuing its own banking or insurance products for this purpose.

With the expanded service offering, HausVorteil is pursuing the objective of further professionalising the execution of real estate-related transactions. In the future, owners are to gain easier access to suitable liquidity, financing and insurance solutions. At the same time, investors can benefit from more structured transaction preparation, improved follow-up processes and stronger integration of relevant service providers.

Investors and real estate brokers can now register directly via the platform. Register now!

HausVorteil AG Launches BodoBroker Investor Platform

Wed, 03 Jun 2026 11:53:24 +0200

Real estate investment platform focused on equity-release properties goes live
BodoBroker connects owners, brokers and investors beyond the traditional rental housing market
Network for investors, financing partners and real-estate-related service providers planned

HausVorteil AG announces the go-live of the BodoBroker platform. Through BodoBroker.com, the company is creating a digital access point for investors interested in real estate investments in the field of equity release. The platform efficiently brings together qualified real estate opportunities, structured property information and suitable investors.

With BodoBroker, HausVorteil AG is expanding its business model to include a scalable digital brokerage platform. The objective is to offer real estate investors, financing partners and professional market participants structured and efficient access to available equity-release properties. Registered users can be notified directly of new investment opportunities in the future and will no longer have to rely solely on periodic investor information or individual approaches.

The focus is on properties where owners wish to release liquidity from their real estate assets without necessarily having to give up their current living situation immediately. Through BodoBroker, models such as partial acquisition with usufruct rights, full acquisition with leaseback, full acquisition with a right of residence, land acquisition with hereditary building rights, and co-buyer structures can be initiated. The platform is not aimed at consumers as an investment product, but at professional and qualified real estate investors who wish to review properties or participations in structured real estate acquisitions.

Equity-release investments differ significantly from traditional rental property investments. While conventional residential real estate investments are typically characterised by rental management, tenant turnover, vacancy risk, maintenance coordination, tenancy-law restrictions and operational administration, equity-release models focus on properties that are typically still occupied by the previous owners or users. For investors, this can provide access to residential real estate without the investment case being based solely on new lettings, rent increases or short-term tenant fluctuation. Depending on the model, the focus may instead be on usage fees, leaseback rents, capitalised rights of residence, ground rents, value appreciation potential or structured exit scenarios. BodoBroker therefore addresses a market segment that offers real estate investors an alternative to the traditional landlord model while also opening up new ways for owners to make use of tied-up real estate wealth.

“With BodoBroker, we are creating direct digital access to a market segment that has so far been strongly characterised by individual outreach, manual review processes and limited transparency. Investors can register and, in the future, find out more quickly when new properties become available. For HausVorteil, the platform is an important step towards bringing deal flow, financing partners and investors together more efficiently,” explains Sören Ploschke, CFO of HausVorteil AG.

The acquisition models that can be brokered via BodoBroker differ in terms of ownership structure, usage rights, ongoing cash flows and exit mechanics. In a partial acquisition with usufruct rights, the investor acquires a co-ownership share in a residential property. The previous owner continues to live in the property and receives liquidity for the share sold. The right of use is generally secured by a usufruct right. For the investor, the key element of this model is the acquisition of a co-ownership share secured in the land register. The continued use by the previous owner can be economically reflected through a usage fee; a later full sale or a repurchase option may create additional exit perspectives.

In a full acquisition with leaseback, the investor acquires the property in full. Following the sale, the previous owner becomes the tenant and continues to use the property on the basis of a lease agreement. This creates an investment for the investor in an existing property with an existing user. The investment approach is in some respects similar to a traditional rental model, but differs in that the user generally already has a particular personal attachment to the property and the sale forms part of a liquidity solution for the previous owner. Economically, ongoing rental payments, a long-term holding strategy and a later sale of the property can be combined.

In a full property acquisition with a right of residence/with usufruct rights, the investor also acquires ownership of the entire property. The former owner does not enter into a tenancy agreement but instead retains a contractual and land-register-protected right of residence. This model may be particularly suitable for sellers who wish to continue living in the property without having to pay ongoing rent. The economic value of the right of residence is taken into account when determining the purchase price. For investors, the focus is less on generating current rental income and more on acquiring the property at a discounted price, taking into consideration the existing right of use and the prospect of obtaining unencumbered possession and full marketability at a later date.

In a land acquisition with hereditary building rights, the investor acquires the land, while the previous owner or user is granted a hereditary building right. This allows liquidity to be released from the land value without requiring the previous use of the building situated on the land to be given up. For investors, this model can be attractive because the land value is acquired as an independent investment component and the ongoing use can be economically structured through a ground rent. At the same time, the property remains functionally available to the previous user.

The co-buyer model plays a special role. Under this model, an investor, for example the original project developer, participates together with an acquirer in a real estate acquisition. The co-buyer provides capital for the acquisition and participates in the economic structure of the transaction, while the acquirer may use the property. Depending on the structure, the usage fees for a granted usufruct right are deferred until a defined sale date and paid from the subsequent sale proceeds. In addition, a repurchase option in favour of the acquirer may be provided. For the investor, the model provides for priority repayment of the capital invested from a later sale or repurchase, with the specific ranking, collateralisation and economic structure being determined on a transaction-by-transaction basis.

For project developers in particular, the co-buyer model can offer significant structural advantages. By participating as a co-buyer, potentially necessary price discounts can be reduced and sales prospects improved. This can be particularly relevant for projects where attractive residential units are available but conventional bank financing is not sufficient for the acquirer on a standalone basis. The co-buyer model can therefore help transactions to be implemented more quickly, enable larger project volumes and close financing gaps between debt capital, equity capital and later realisation. For project developers, this creates a flexible structure to support the marketing of residential projects and to access additional buyer groups.

BodoBroker is already open to selected real estate brokers who wish to use the platform for the distribution of suitable leads and real estate opportunities in the field of equity release. HausVorteil is thereby creating a digital interface through which qualified property offers can be structured and made accessible to suitable investors. As the platform is further expanded, it will also be opened to selected service providers. These may include, for example, asset managers and banks, real estate valuers, notaries, tax advisors, lawyers, property managers and skilled trade businesses, all of whom can offer their services in connection with real estate transactions, equity-release models and related downstream real estate processes via BodoBroker. HausVorteil is thus positioning BodoBroker as a central platform for connecting property owners, brokers, investors, financing partners and specialised service providers.

For HausVorteil AG, the go-live of BodoBroker represents a further component of its capital markets and platform strategy. In addition to acquiring properties through its own special-purpose vehicles, the brokerage of properties to third-party investors is intended to open up additional revenue streams in the future. These include, in particular, brokerage fees, services, property preparation, KYC processes and, prospectively, asset and property management services.

Investors and real estate brokers can now register directly via the platform and indicate their interest in available real estate opportunities or in a potential cooperation. Register now!

Note: This communication contains forward-looking statements based on current expectations and assumptions of management. Actual developments may differ.

Equity-release properties as an alternative for investors in an increasingly regulated rental market

Tue, 12 May 2026 09:20:01 +0200

Tighter rental laws are putting more pressure on traditional landlords
BodoBroker connects property owners and investors beyond the rental housing market
The weekly investor newsletter offers exclusive access to vetted equity release opportunities

The debate over the planned tightening of rental laws continues to gain momentum. On April 29, 2026, the Federal Cabinet introduced new regulations, including measures to cap index-linked rents, address short-term leases and furnished apartments, and extend the grace period for late rent payments. The property owners’ association Haus & Grund Deutschland e.V. sharply criticizes the proposal and warns that private renting could become even less attractive due to additional obligations, limited income opportunities, and reduced legal certainty.

According to HausVorteil AG (Ticker: KA1 / ISIN: DE000A31C222), the current debate shows that investors in the residential real estate market are increasingly seeking structures that provide access to real estate assets without necessarily adhering to the traditional landlord-tenant relationship typical of private residential rentals.

BodoBroker connects owners and investors beyond the rental housing market

This is precisely where the investor platform BodoBroker, operated by HausVorteil AG, comes in. BodoBroker (www.BodoBroker.com) connects private property owners in need of liquidity with investors by converting tied-up real estate assets into investable forms through structured equity release models—such as partial purchasewith usufruct rights or land purchase with leashold rights.

This creates an attractive alternative for investors to the traditional purchase of rental residential properties: they gain access to qualified residential real estate opportunities without necessarily having to act as traditional landlords in the regulated rental housing market. The specific legal structure depends on the particular model and property; this is precisely why BodoBroker offers investors vetted, structured, and professionally prepared investment opportunities.

“The current debate on rental law makes it clear that traditional private renting is becoming more challenging for many owners and investors. Equity release opens up a different perspective: investors can participate in residential real estate, while owners can unlock capital without having to give up their property immediately,” says Dirk Hotopp, CEO of HausVorteil AG. “With BodoBroker, we are creating efficient access to a market segment that is structurally growing in Germany and, at the same time, is less heavily influenced by the mechanisms of traditional new leasing.”

Weekly Investor Newsletter Offers Exclusive Access to Vetted Equity Release Offers

Through the BodoBroker Investor Newsletter, investors receive exclusive, non-public, and vetted real estate offers directly via email every week. Access is exclusively for investors and companies as defined by Section 14 of the German Civil Code (BGB).

Sign up now: BodoBroker Investorenbrief

Preliminary Annual Financial Statements 2025 and Outlook for Fiscal Year 2026 – Record Level in Brokered Acquisition Volume Achieved

Fri, 24 Apr 2026 11:58:55 +0200

2025 annual result significantly impacted by one-off merger-related expenses
Restructuring completed – cost base sustainably reduced, stock exchange listing in m:access completed
Q1 2026: Revenue EUR 491k, preliminary result EUR -39k – operational stabilization confirmed
Activities to expand the investor base intensified

Germany, April 24, 2026 – HausVorteil AG (Ticker: KA1 / ISIN: DE000A31C222) looks back on an eventful and, in many respects, pivotal fiscal year 2025. The now available preliminary annual financial statements reflect both the profound structural changes within the company and the operational development of its business model.

Strongest Operational Year – Record Acquisition Volume

Despite accounting-related one-off effects, 2025 was the most successful year in the history of HausVorteil AG in operational terms. Particularly noteworthy is the record level achieved in brokered acquisition volume. Both brokerage to external investors and transactions via proprietary structured vehicles (SPVs) increased significantly. This underscores the growing market acceptance of the business model in the equity release real estate segment and the increasing performance capacity of the platform.

Net Loss Driven by One-Off Effects – Accounting Clean-Up of the Past

In fiscal year 2025, HausVorteil AG generated revenues of approximately EUR 1.67 million. At the same time, according to preliminary calculations, the company reports a net loss of around EUR 4.07 million. This result is largely driven by one-off special effects and does not reflect the operational performance of the ongoing business.

At the center of this is the merger completed in 2025 with HausVorteil Service GmbH. As part of this transaction, previously separate operational units were consolidated within HausVorteil AG to achieve clearer structures, higher efficiency, and improved scalability. The accounting impact of this merger resulted in a one-off expense of approximately EUR 2.62 million, reported as a loss from merger and transformation. This effect essentially reflects the cumulative start-up losses of previous years, which have now been consolidated into a single fiscal year as part of the restructuring. In this respect, a significant portion of the reported net loss represents an accounting clean-up of the past.

Despite the net loss, the company’s balance sheet structure shows a stable foundation. As of December 31, 2025, total assets amount to approximately EUR 1.83 million, with reported equity of around EUR 1.12 million.

Restructuring Completed – Stock Exchange Listing Executed

Alongside this corporate reorganization, HausVorteil AG achieved another key milestone in 2025: its conversion into a stock corporation and the successful listing in the m:access segment of the Munich Stock Exchange. This step laid the groundwork for improved access to capital markets and significantly increased transparency for investors. The capital market presence also supports the strategic development of the business model, particularly with regard to scaling transaction volume.

Another central component of fiscal year 2025 was a comprehensive restructuring program. This included significant adjustments in personnel, a fundamental overhaul of the cost structure, and a critical review of external service providers. These measures led to a substantial reduction in ongoing costs and form the basis for a sustainable improvement in operational profitability in subsequent periods.

Q1 2026: Operational Stabilization Confirmed

The development in the first quarter of 2026 confirms the effectiveness of the measures implemented and shows increasing operational stabilization. From January to March 2026, revenues of approximately EUR 491 thousand were generated, while the preliminary result amounts to around EUR -39 thousand. The reduced cost base and stabilized revenue development lead to a noticeable improvement compared to the previous year, although certain cost items and ongoing investments continue to impact the result.

Outlook – Solid Basis for the Next Growth Phase

For the full year 2026, HausVorteil AG is generally optimistic. The company expects a further increase in brokered acquisition volume as well as a continued improvement in operational results. The restructuring completed in 2025 is now taking effect and enables more efficient execution of growth.

At the same time, the company notes that further development depends significantly on the availability of suitable financing and placement opportunities. The business model requires continuous refinancing of transactions or their placement with institutional and semi-institutional partners. In this context, the current market environment presents increasing challenges. Geopolitical and macroeconomic conditions are making financing volumes harder to obtain and often available only on terms that are not always economically viable for the business model.

Activities to Expand the Investor Base Intensified

Against this backdrop, HausVorteil AG has intensified its efforts to expand its investor base. With the newly introduced BodoBroker investor newsletter, an additional tool has been created to specifically attract new partners for the brokerage of equity release real estate. The aim is to build a broader investor network beyond traditional financing sources and thereby further increase flexibility in transaction placement.

Another important step to strengthen the financing base was taken on April 1, 2026. HV GenerationsKapital GmbH, a wholly owned subsidiary of HausVorteil AG, issued the bond “HV GenerationsKapital 2026.” The funds raised through this bond are intended to be used specifically for acquiring properties brokered via HausVorteil AG. This further strengthens the integration between the brokerage platform and proprietary investment vehicles and establishes an additional building block to secure transaction financing.

Summary

In summary, fiscal year 2025 represents a clear turning point for HausVorteil AG. The accounting burdens reflect a consistent clean-up and realignment, while operational performance demonstrates the growing strength of the business model. With a significantly more efficient cost structure, a strengthened capital market position, and expanded capabilities in investor outreach, the company considers itself well positioned to take the next development step in 2026—provided that the financing environment stabilizes and planned volumes can be successfully realized.

Dirk Hotopp, CEO of HausVorteil AG, states:

“2025 was a year of strategic positioning for HausVorteil. We consistently sharpened our focus, streamlined structures, and further developed our business model. The record level of acquisition volume proves that our platform works and that the market accepts our solutions. The accounting special effects reflect a clean-up that we deliberately and consistently implemented so that we can look ahead to 2026 with clarity. The first figures of the current year confirm that we are on the right path.”

It should be noted that the figures presented are preliminary. A voluntary audit of the annual financial statements will be conducted in May 2026. As part of this audit, adjustments to individual items may still occur depending on the auditors’ findings.

The audited annual financial statements of HausVorteil AG are expected to be published on June 5, 2026, on the company’s website.

Note: This communication contains forward-looking statements based on current expectations and assumptions of management. Actual developments may differ.

HV GenerationsKapital GmbH issues “HV GenerationsKapital 2026” bond – BaFin approves securities information sheet, subscription now open

Wed, 25 Mar 2026 08:06:01 +0100

HausVorteil AG (Ticker: KA1 / ISIN: DE000A31C222) announces that its wholly owned subsidiary, HV GenerationsKapital GmbH, has successfully issued the "HV GenerationsKapital 2026" bond and has commenced the subscription period.

The German Federal Financial Supervisory Authority (BaFin) has approved the corresponding securities information sheet (Wertpapierinformationsblatt – WIB) in accordance with Section 4 of the German Securities Prospectus Act (Wertpapierprospektgesetz). This fulfills the requirements for the public offering of the bonds.

The "HV GenerationsKapital 2026" bond is a fixed-interest bearer bond with a maturity until March 31, 2036 and a fixed annual interest rate of 3.80% p.a. The bond is secured by first-ranking mortgages on real estate amounting to at least 75% of the outstanding nominal value.

The total issuance volume amounts to up to EUR 8,000,000, divided into bonds with a nominal value of EUR 1,000 each. The minimum subscription amount is EUR 10,000.

Subscription of the bond is now available online. The placement is carried out entirely digitally via the issuer's subscription platform.

The net proceeds from the issuance will be used to acquire residential real estate within the framework of equity release models. The objective is to build a diversified real estate portfolio in which the former owners continue to reside in the properties as users.

The full securities information sheet (WIB), including all details on the structure, risks, and terms of the bond, is available for download on the issuer's website at www.generationskapital.de.

Important Notice: The acquisition of this bond involves significant risks and may result in the total loss of the invested capital.

Demand for Property Equity Release Continues to Rise According to BVIV Market Stats – Financing & Product Innovation Becoming Key Topics

Thu, 12 Mar 2026 15:14:09 +0100

The market for property equity release in Germany is entering a new phase of development. The latest market statistics published by the Federal Association for Property Equity Release (BVIV) for 2025 indicate continued strong interest from property owners in solutions that allow them to unlock tied-up assets without having to give up their homes. At the same time, the analysis shows that the industry still requires stable investor structures and long-term capital partnerships. Due to the high capital requirements, financing remains the key factor for the further development of the market.

Sustainable Financing Solutions & Innovative Products as Key Success Factors

“The figures confirm the strong interest among many homeowners in using their real estate assets more flexibly,” explains Sören Ploschke, CFO of HausVorteil AG (Ticker: KA1 / ISIN: DE000A31C222). “For us as a provider, this also puts a stronger focus on the question of sustainable investor and financing structures. That is why we are actively working on building the appropriate products and partnerships to support the growing demand even more comprehensively in the future.”

At the same time, the company is pursuing a second strategic direction: innovative offerings. Products such as the “land sale with ground lease arrangement” provide homeowners with alternative ways to sell their property while simultaneously creating attractive structures for investors. With this approach, HausVorteil AG has established itself as a leading provider in the brokerage of ground lease solutions within the German property equity release market.

Dirk Hotopp, CEO of HausVorteil AG, comments:

“The industry is evolving dynamically. While interest among many property owners continues to grow, the requirements for product design and capital structures are also changing. Flexible models that offer long-term stability for both customers and investors will be decisive.”

In the long term, the growth of this segment will be driven primarily by demographic developments. Millions of property owners hold significant assets in their houses and apartments, while at the same time the need for additional liquidity during retirement is increasing.

Outlook

For HausVorteil AG, the current market trends open up attractive growth opportunities. The rising demand for property equity release, new requirements for financing solutions, and increasing product diversification are expected to further strengthen the company’s market position in the coming years.

Ad hoc: Swedish investment platform plans to acquire up to 25% of HausVorteil shares and extend voluntary lock-up

Wed, 04 Mar 2026 12:38:06 +0100

Germany, 04 March 2026 – Infinitas Capital AG announced today that parts of its portfolio have been transferred to a Swedish company. This newly established entity is currently in discussions with existing shareholders of HausVorteil AG (Ticker: KA1 | WKN: A31C22) regarding the acquisition of up to 25% of the company’s outstanding shares.

In addition, the Swedish company intends to pursue a listing on NASDAQ in Sweden and plans to hold the shares in HausVorteil AG as a long-term investment.

In connection with the planned acquisition of the shares, a voluntary extension of the existing lock-up agreement by a further 12 months is also intended.

Ad hoc: HausVorteil AG Receives Licence Pursuant to Section 34c of the German Trade Regulation Act (GewO)

Tue, 27 Jan 2026 09:30:02 +0100

HausVorteil AG Receives Licence Pursuant to Section 34c of the German Trade Regulation Act (GewO)

Germany, 27 January 2026 – The Management Board of HausVorteil AG announces that, by notice dated 21 January 2026 and received by the Company on 26 January 2026, the District Office Hamburg-Mitte granted the Company the permit pursuant to Section 34c (1), sentence 1, nos. 1, 2 and 4 of the German Trade Regulation Act (Gewerbeordnung – GewO).

With this permit, HausVorteil AG is authorised, in addition to brokering and providing evidence of contracts relating to land, rights equivalent to land, and residential and commercial premises (real estate brokerage), to broker loan agreements nationwide in the non-licence-requiring sector, as well as to carry out activities in residential property management and the management of jointly owned property.

The granting of the permit fulfils all regulatory requirements necessary to implement the Company’s existing and planned business activities in the residential real estate and equity-release segments in a comprehensive, legally compliant, and scalable manner. The Management Board considers the approval to be a significant milestone for the Company’s further operational development and for the expansion of HausVorteil AG’s platform and investment business.

HausVorteil AG honors Premium Partners in connection with its 2025 stock market listing

Fri, 23 Jan 2026 10:34:06 +0100

PremiumPartner Olaf Klawonn, Managing Director VR-Immobilien Wildeshauser Geest, with HausVorteil Sales Manager Sascha Behrens

HausVorteil AG honors Premium Partners in connection with its 2025 stock market listing

As part of its successful stock market listing in November 2025, HausVorteil AG (Ticker: KA1 | WKN: A31C22) honored its top sales partners as Premium Partners. The award recognizes outstanding achievements in advisory services, sales performance, and cooperative partnership, and underscores the central role of the B2B partner network in the company’s growth.

HausVorteil AG has established itself as an innovative provider of comprehensive solutions in the field of equity release. The core of its product portfolio consists of intelligent models for capital release, asset optimization, and retirement planning for property owners, all of which can be tailored to individual customer needs. A particular unique selling point is the heritable building right (Erbbaurecht), which is increasingly establishing itself as an attractive alternative to traditional real estate solutions.

“Our Premium Partners are a key success factor—both for our customers and for our own corporate development,” explains Dirk Hotopp, Member of the Executive Board for Sales & Marketing at HausVorteil AG. “Especially in the context of our stock market listing, we wanted to send a strong signal of appreciation and visibly acknowledge the contribution of our highest-performing sales partners.”

The heritable building right model offered by HausVorteil AG, as well as the partial and full purchase models, enable property owners to monetize the value of their land without having to give up their property. At the same time, they retain usage rights and secure financial flexibility—for example, for retirement planning, investments, or estate planning. For real estate agents, this model represents an ideal addition to their service portfolio, as it opens up new solution approaches for clients who cannot be optimally served with traditional sales or financing models.

By honoring its Premium Partners, HausVorteil AG reaffirms its commitment to promoting sustainable growth, high-quality advisory services, and long-term partnerships—and, together with its network, to setting new standards in the real estate and financial markets.

HausVorteil AG enters 2026 as market leader in ground lease (Erbbaurecht) – product innovations drive growth

Fri, 16 Jan 2026 10:17:39 +0100

HausVorteil AG enters 2026 as market leader in ground lease (Erbbaurecht) – product innovations drive growth

HausVorteil AG (ticker: KA1 / ISIN: DE000A31C222) enters the year 2026 as a leading equity release provider in the brokerage of hereditary leasehold solutions. The foundation of its market position is consistent product development, particularly in the area of hereditary leasehold rights.

The central driver of innovation is the new product FlexFokus, which enhances the traditional hereditary leasehold product with additional options for action. Customers are given the opportunity to repurchase the land from the buyer after a contract term of three to ten years, or to sell it together with the property. In both cases, the hereditary leasehold agreement ends automatically. Alternatively, FlexFokus—like the standard product—can be continued for the entire agreed duration of the hereditary leasehold.

Dirk Hotopp, CEO at HausVorteil AG, comments: “The strong market demand confirms our approach: more than half of our ground lease customers are already choosing FlexFokus. The decisive factor is above all the increased flexibility, which allows customers to adapt better to changing life situations and market conditions.”

FlexFokus also offers clear advantages for sales partners. The additional exit options simplify advisory discussions, increase the likelihood of closing, and broaden the possible use cases in customer consultations. At the same time, the product provides an alternative to partial-purchase models and strengthens HausVorteil AG’s multi-product approach in the equity-release market.

HausVorteil AG’s market leadership is therefore based on clear product standardization, strong operational execution capabilities, and the targeted development of practical solutions aligned with real customer and sales partner requirements. In doing so, the company is setting standards in ground lease solutions and is regarded by many market participants as a reference provider.

For the 2026 financial year, HausVorteil AG plans to further expand its leading position in the ground lease market. Key priorities include scaling innovative product solutions such as FlexFokus, expanding the sales partner network, and strengthening strategic partnerships.