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Real estate industry expertise

Real estate industry expertise

Real estate financing & advisory for investors and property developers

Whether you are interested in financing a property development or in real estate finance in general: As Hamburg's leading real estate financier, we are the right partner for you. In the metropolitan region of Hamburg and, in select cases, in Berlin too.

Your strong partner ...

As Germany's largest savings bank, Haspa supports real estate financing with a credit volume of around 23 billion euros. This makes us the market leader in Hamburg. In regional corporate client centres​, our financing specialists would be happy to help you. Clients with a financing volume of over 10 million euros are served in our central Real Estate Clients division. We are connected with the region, assessable and future-oriented. Our clients set particular store by the economic independence of Haspa. Our experience is perhaps even more valuable.

… active in strong regions

Our knowledge of the Hamburg real estate market is virtually unrivalled. After all, we are connected with the region and treasure it like our clients. With northern reliability, we also offer all of our services in the Berlin office.

Where we work for you:


From the city centre to the outskirts, over half of all Hamburg real estate financing takes places through Haspa.

Metropolitan region of Hamburg

We support our clients in numerous projects in the area around Hamburg, in Lower Saxony and in Schleswig-Holstein.


Through our team, our network partners and experts, we offer selected financing in the capital too.

Current top projects

Here you will find examples of current or recently completed financing projects supported by us.

"Süderfeld Park"

construction projectFor the development of the "Süderfeld Park" residential quarter in Hamburg-Lokstedt, Haspa is providing loans for clearing the site and the three construction stages. Moreover, alongside the inclusion of customised interest rate management, the integration of KfW development bank funds is also taking place.

  • 21 multi-dwelling units
  • 251 residential units
  • Total residential space: 20,234 m²
  • Period of realisation: 2016–2020

"Rosenthaler Straße, DC Values"

construction projectIn the heart of Berlin, not far from Hackesche Höfe on Rosenthaler Straße, the real estate investment and development company DC Values is developing a spacious residential, office and business building. Haspa is supporting the project by providing loans.

  • Residential, office and business building
  • 5 flats, 12 offices, 3 shops, a neighbourhood store and a chemist
  • Total rental space: around 9,650 m²
  • Completion: end of 2020

Our services


The real estate market is particularly complex, with different asset classes and market situations. We support you with your real estate financing, provide advice with financing issues and support you with suitable credit solutions for your development project or your investment. We take your wishes, the requirements of your company and the specific circumstances of the real estate into account in the process.

  • In-depth analysis of your project
  • Financing of land purchases, property developments, portfolio properties and syndicate transactions
  • Assessment of public funds and grants


Interest rate management

Real estate financing is often characterised by large volumes and long terms. Fluctuations on the financial markets can affect your business success. We help you minimise risks resulting from interest rate rises or exchange rate fluctuations and, by contrast, to ensure you benefit from a favourable level of interest rates.

  • Hedging of your investment against rising interest rates
  • Reduction of your financing costs
  • Analysis and limiting of all interest rate risks

Payment transactions and management of deposits

Real estate companies have a multitude of financial transactions to manage every day. Our experienced advisors support you with actively managing your commercial payment processes and using your "cash management" for your success. We offer real estate managers and owners an easy way to manage the funds of third parties carefully and conveniently – with accounts and apps whose services are adapted to individual needs.

  • Optimisation of your payment transactions
  • Management of fiduciary funds, rent deposits and maintenance savings
  • Low costs, secure and easy processing
  • Online access through comprehensive management software

All-round support

From real estate financing to property development, from building contractor advice to portfolio financing: we are available to provide personal support for you and your project using a partnership approach at all times. In almost all asset classes, e.g. residential, office, retail, logistics, hotel and care.

  • Land purchases
  • Residential and commercial property developments
  • Portfolio financing
  • Renovation measures

We are there for you

On a business level and privately: we support you and your company holistically and keep your needs in sight at all times. Arrange an appointment to get to know us.

One division, four departments

Our four departments in the "Real Estate Clients" division have the specialist knowledge that you need. Our excellent market expertise pays off for you – allowing you to take advantage of opportunities quickly.

"We promise to hold our course together in every market situation – because we know how to."

Jens Ole Heitmann
Head of Real Estate Clients

Telephon: 040 3578 - 93122
E-Mail: jensole.heitmann@haspa.de

Residential Developments

As Hamburg's leading financier for building contractors, we support numerous building contractors and building companies in the residential sector. This enables us to assist you with the realisation of ambitious projects and contribute sustainably to Hamburg's urban development.

Birga-Maria Möller
Head of  Residential Developments

Telefon: 040 3578 - 93802
E-Mail: birga-maria.moeller@haspa.de

Commercial Real Estate Investors

Our clients include property developers, major portfolio holders and large-scale investors in Hamburg and Berlin – they all benefit from our particular expertise in the area of property development and classic real estate financing. Advice and support is provided by proven experts with many years of experience, specialist expertise and excellent local market knowledge.

Frank Gundelach
Head of Department Commercial Real Estate Investors

Telephon: 040 3578 - 93805
E-Mail: frank.gundelach@haspa.de

Real Estate Agents and Investors

Whether for the purchase of a rental property or the structuring of finance for an entire residential quarter, our "Real Estate Agents and Investors" department offers extensive services, advice and support for residential and portfolio investors, residential building cooperatives as well as estate agents and real estate managers.

Ulf Schmelmer
Head of Department Real Estate Agents and Investors

Telephon: 040 3578 - 93858
E-Mail: ulf.schmelmer@haspa.de

Special and syndicated transactions

The clients of our "Special Transactions" department are property developers and institutional investors, such as real estate equity and fund management companies. Our focus is on major commercial property developments and portfolio financing. In select cases we also offer this for operator-managed real estate, for instance in the areas of retail, the hotel trade, logistics and care.

Our syndicated transactions with savings banks, regional banks and business banks are offered as part of property developments and building contractor measures, for portfolio financing in the residential and commercial sector as well as for renovation measures and land purchases. In select cases we can also support our clients throughout Germany in other metropolises.

Thomas Berndt
Head of Department Special Transactions and Syndication

Telephon: 040 3578 - 92702
E-Mail: thomas.berndt@haspa.de

Our network, your options

As a partner we want to support you in all phases of your project. For this purpose, we make use of our broad network of specialists where necessary: building contractors, architects, estate agents, consultants, investors and investment companies, experts as well as real estate associations support you in both word and deed. We are happy to put you in touch – and remain a permanent contact for you at all times.





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