About us
Who is behind hypox.ch
hypox.ch compares mortgages from banks, pension funds and insurers — independently, transparently and with a compensation model that rules out conflicts of interest. Here you can find out who we are and why we exist.
The company
hypox.ch is a service of Datenpfleger GmbH, based at Badenerstrasse 414 in 8004 Zurich. We are an independent Swiss technology company — not a bank, not an insurer, and not affiliated with any provider.
Swiss company
Built and operated in Zurich. Data processing follows the Swiss Data Protection Act (FADP).
Independent
No bank or insurance shareholdings. No provider can buy a better ranking.
Technology-driven
We collect interest rates automatically and continuously — keeping the comparison current without an expensive sales force.
Why hypox exists
Most mortgage brokers earn a commission that varies by provider — a built-in conflict of interest that customers never see. We believe a comparison is only worth something if the broker earns nothing from the outcome. That is why we built hypox — lean, digital and with a fully disclosed compensation model.
Our model in one sentence
hypox earns the same fixed fee with every provider — paid by the provider, not by you. If a provider pays more, we pass the surplus on to you.
How we earn money in detail →What hypox does — and what it doesn't
What we do
- Compare mortgages from banks, pension funds and insurers — filtered by how you use your property.
- Collect indicative rates automatically and keep them up to date.
- Prepare your information as a clean dossier for offer requests.
- Pass surpluses from provider compensation on to you.
What we don't do
- We do not grant mortgages ourselves and are not a bank.
- We do not sell your data and only share it for your offer request.
- We do not steer you towards specific providers — our fee is the same everywhere.
See for yourself
Three questions are enough to see which providers match your project.
Request an offer