effi Baufinanzierung

ÜberseeHub GmbH

About this app

With effi you know immediately whether you can afford your dream property. You have your purchase budget and personalized financing offers at hand at every broker appointment. If you wish, we can also advise you personally – without obligation, of course.


Your advantages at a glance


✅ Mobile

With effi you have your financing invoice with you always and everywhere. You can customize it at any time, share it or show it to the agent during the viewing.


✅ Smart

Ciao Excel, bye-bye calculators! Your income and expenses are automatically recognized based on your account transactions.


✅ Fast

In just a few seconds you will know your purchase budget, the maximum loan amount and receive tailor-made financing offers.


✅ Safe

Data protection and data security are our top priority: Our account analysis service is TÜV-tested and BaFin-certified.


The first budget calculator with smart account analysis

What makes effi special? You don't have to laboriously search out and add up your income and your monthly fixed costs for household bills. Effi takes care of that. You connect your checking account securely to the app. All relevant sales such as B. Salary, loans and private health insurance are automatically recognized. If necessary, you can add additional income and expenses manually. So your household bills can be done in no time.

Personalized financing suggestions in real time

Based on your information about income, equity and property purchase price, effi checks your financing options. Our database contains offers from over 550 established financing providers - with current conditions. We suggest the cheapest offers that are perfectly tailored to your needs.

Free valuation of your dream property

Do you have your eye on a specific property and want to know whether it is worth the purchase price? With our free property price check you can find out in no time. You don't need to hire an expert and you'll quickly get a realistic assessment. Our price check is based on an algorithm that always works with the latest market data. Check the property value now and make the right purchase decision!

Non-binding personal financing advice

What happens next once you know your financial scope? Our experts will be happy to help you personally: clarify questions about your financing requirements, receive additional loan offers and find out more about government funding options. Book a digital consultation appointment easily – when and how it suits you best.

effi is completely safe

Are you wondering whether account analysis is safe? Yes! We work with an account information service (finAPI) that reads your account transactions via a secure interface. To do this, you log into your online banking via an encrypted connection. You also authenticate yourself with a TAN. Our service provider finAPI is licensed by BaFin (Federal Financial Supervisory Authority) and works in full data protection compliance. The legal basis for this service is the EU Directive PSD2 (Second Payment Services Directive), which came into force in 2019. The aim of the directive is to enable new, useful financial services for consumers.


In effi, your data is securely encrypted at all times and never passed on to third parties without your express consent.