Apply for a license as a commercial real estate loan broker

In order to obtain a license as a commercial real estate loan broker, you must submit a corresponding application together with the required documents to the competent authority.

• If this is offered by the respective authority, it is possible to submit an application online.
• Together with the application for a license, you can also apply for entry in the register of intermediaries
• The authority will check whether you meet the requirements based on the information you provide and the documents you submit.
• After checking, you will receive the permit

You may only commence your activity once the permit has been issued.

In Rhineland-Palatinate, the local trade offices are responsible.

In order for you to be granted permission, you must

• be personally reliable,
• have orderly financial circumstances and
• have appropriate professional liability insurance (financial loss liability insurance) and
• provide evidence of sufficient expertise and
• have their principal place of business in Germany.

If you employ persons who are involved in brokerage or consulting or are responsible for these activities in a managerial position, they must also have a certificate of competence and be reliable.

• Real estate loan brokers may not act as fee-based real estate loan advisors.

• Identity card or other official identification document with photo (not required for electronic applications).
• Proof of application for a certificate of good conduct for submission to an authority (Section 30 (5) BZRG),
• Proof of application for an extract from the central trade register for submission to an authority (Section 150 (5) GewO),
• Extract from the debtor register of the enforcement court (§ 882b ZPO),
• Information from the insolvency court as to whether proceedings have been opened,
• If applicable, certificate in tax matters from the tax office,
• If applicable, certificate of non-objection from the municipal tax office,
• Proof of professional liability insurance or equivalent guarantee,
• Proof of expertise,
• Extract from the commercial register for legal entities and commercial partnerships with corresponding entry, otherwise a copy of the partnership agreement or articles of association (e.g. for a GbR).

Is based on the respective administrative fee schedule of the federal state or on the fee statutes of the authorities responsible under federal state law.

• § Section 34i of the Trade Regulation Act (GewO)

Appeal (appeal may be excluded depending on national law), administrative court action

The brokerage of loans not secured by mortgages and the brokerage of loans secured by mortgages to companies is subject to the licensing requirement pursuant to Section 34c (1) sentence 1 no. 2 GewO. If you wish to broker the conclusion of both real estate consumer loan agreements and other loan agreements, you therefore require a license in accordance with both § 34i Para. 1 S. 1 GewO and § 34c Para. 1 S. 1 No. 2 GewO.

After commencing your activity, you and the persons directly involved in brokering or advising or those in a managerial position responsible for this activity must be entered in the register of intermediaries.

Acting as a real estate loan broker without the required license is an administrative offence that can be punished with a fine. Violations of an enforceable condition, of the requirements of the ImmVermV that are subject to a fine and of the obligation to be entered in the register of intermediaries can also be punished as an administrative offense with a fine.

03.04.2025