• No material changes compared to the preliminary figures – unqualified audit opinion issued

• The Annual General Meeting will take place on 4 August 2026 from 1:00 p.m. in Düsseldorf

• 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

• 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.

• 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

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.