Your home stays your home — even when the debt has become too much.
Lunovio buys over-indebted properties and uses the proceeds to settle the outstanding debt, stopping the forced auction before it happens. You don't move out — you keep living in your house, with the option to buy it back later.
Discreet
We treat your situation confidentially — from the first enquiry through to completion.
Fast
A purchase is often still possible even shortly before a forced auction date.
Buy-back option
Once your finances are back on solid ground, you can buy your home back.
How it works
A clear, transparent process — so you always know where you stand.
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1
You tell us about your situation
In a short, no-obligation conversation, we discuss your property, the outstanding debt, and any forced auction date that may already be set.
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2
We buy the property and settle the debt
The purchase price is used to pay off the debt secured on the property. The forced auction is stopped before it takes place.
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3
You keep living there and reorganise your finances
You continue living in your familiar home and negotiate a new financing arrangement with banks at your own pace — without the pressure of an auction date.
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4
You buy your home back when you're ready
Once your finances are in order again, you have the option to buy the property back on the agreed terms.
Who is this for?
If any of the following applies to you, talk to us — the earlier, the more options you'll have.
- The bank has already set a date for a forced auction of your property.
- You can no longer keep up with the payments on your mortgage.
- You expect money in the foreseeable future — an inheritance or a severance payment, for example — but need a solution now.
- A separation or divorce has made a jointly owned property financially unworkable.
- An heirs' community cannot agree on how to handle debt secured on the property.
- You want to avoid a forced auction without having to give up your home for good.
About Lunovio
Lunovio GmbH, based in Hamm, Germany, specialises in buying over-indebted residential properties. Our goal is to spare people a forced auction and give them a genuine fresh start — without having to lose their home.
Managing director Arne Zühlke and his team guide sellers personally through the entire process: from the first confidential conversation to the option of buying the property back one day.
Where we buy
Our focus is on North Rhine-Westphalia, and beyond that we buy properties across Germany.
We also consider holiday properties elsewhere in Europe, provided a neutral expert valuation is available.
* Holiday properties abroad only with a neutral expert valuation on file.
Frequently asked questions
A selection of the questions we're asked most often.
How can I stop a forced auction?+
By acting early. One option is to sell the property to Lunovio: the purchase price is used to settle the debt secured on it, so you keep living in your home.
Can I stay in my house if it goes to a forced auction?+
No. In a forced auction you lose ownership and, as a rule, your right to live there too. Preventing exactly that is the purpose of a timely sale.
I'm expecting money soon — how do I bridge the gap until then?+
A sale with a later buy-back option can bridge exactly that period: the immediate debt is settled, you stay in your home, and you buy it back once the expected money arrives.