Refer, don't advise
Become a referrer: recommend mortgages, earn commission.
You bring the contact, we do the rest. No §34i licence, no advisory liability, with a fair referral commission.
4.98 / 5 from 1,550 reviews · KennstDuEinen.de
We compare rates from over 600 banks & insurers
The referrer model
The simplest way to earn from mortgage business
As a referrer (Tippgeber) you simply pass on a contact: someone who wants to build, buy or arrange their Anschlussfinanzierung (follow-up financing). You do not advise, quote no rates and carry no liability. That is exactly why you need no §34i GewO licence. The entire consultation, application process and responsibility sits with Zinskonzept.
If your contact leads to a completed financing, you receive a referral commission. This is ideal for anyone who regularly deals with prospective builders and buyers: estate agents, tax advisers, tradespeople, insurance professionals or simply well-connected people.
Your advantages
Why referring pays off
No §34i licence needed
You give no advice and make no recommendation in the legal sense. You simply pass on a contact, which requires no licence.
Referral commission
For every contact that leads to a closing you receive a fair referral commission (Tippgeberprovision), paid after the financing pays out.
Slim onboarding
No mandatory training, no paperwork marathon. Sign the referral agreement and get going.
No advisory workload
Zinskonzept handles the full consultation, application process and liability. You stay out of it.
An honest model
We live off our own retail business, not off our partners' margins. Your referral is in good hands with us.
Transparent billing
You can see the status of your referred contacts and the commission due at any time, billed transparently.
Is this for you?
A referrer is anyone who knows people
You need no financial expertise and no licence, just the right contact at the right time.
- You know people who want to build, buy or refinance
- You work around real estate, insurance, tax advice or trades
- You want to refer without advising yourself
- You hold no §34i licence and you don't need one
How it works
- 11
Referral agreement
You sign a slim, transparent referral agreement, commission level and payout clearly defined.
- 22
Pass on the contact
Give us your contact's name and request: by phone, form or email. That's all it takes.
- 33
We advise & close
Zinskonzept advises, calculates, submits and supports through to payout, with full §34i liability.
- 44
You get paid
Once the financing pays out, you receive your referral commission, billed transparently.
Referrer or broker?
Referrer (Tippgeber)
Broker (§34i)
FAQ on the referrer model
No. As long as you only establish the contact and do not advise, broker or quote terms, the activity requires no licence. Zinskonzept handles the advice and therefore the §34i liability.
The amount depends on the financing volume and is set out transparently in the referral agreement. We discuss specific rates personally. [PLATZHALTER: Tippgeberprovision]
After the bank pays out the financing. Only then is it certain that the referred contact actually led to a closing.
Only that you know someone who competently helps with Baufinanzierung (German mortgage), purchase or follow-up financing. As a referrer you must not give advice or promise terms.
As many as you like. There is no minimum or maximum and no sales targets.
Yes. The referrer model is especially attractive on the side: no effort beyond the contact, no licence, no liability but a real commission.
Know someone who needs financing?
Become a referrer: no licence, no effort, fair commission.