Services

Real Estate Financing

Expert guidance for expats buying property in Germany—whether for your home or as an investment.

Property Investment

Buying Property as an Expat

Germany has one of the most stable real estate markets in Europe. But for expats, getting a mortgage can be challenging. Banks want German credit history, local income documentation, and often struggle with international backgrounds.

I help bridge that gap—connecting you with expat-friendly lenders, structuring your application for success, and guiding you through every step of the process.

Discuss Your Property Goals

What Type of Property?

Different goals require different approaches to financing.

Owner-Occupied Home

Buying your own home in Germany is a significant decision. I help you find financing that fits your budget and long-term plans.

  • Access to competitive interest rates
  • Flexible repayment structures
  • KfW subsidies where eligible

Investment Property

Build wealth through German real estate. I help structure investment purchases for optimal returns and tax efficiency.

  • Rental yield analysis
  • Tax optimization strategies
  • Portfolio building approach

Common Expat Challenges

These are the hurdles most expats face—and where I can help.

No German Credit History

German banks rely heavily on SCHUFA scores. I know which lenders work with expats who have no local credit history but strong international profiles.

Income from Abroad

Foreign income, variable bonuses, or split contracts can confuse German lenders. I help present your income in a way banks understand.

Short Residency

Many banks want 2+ years of German residency. I can help find options for those who've been here less time but have stable employment.

Complex Documentation

German mortgage applications require extensive paperwork. I guide you through exactly what's needed and help prepare everything correctly.

How I Help

1

Financial Assessment

We review your budget, income, savings, and goals to determine what you can realistically afford and how to structure the purchase.

2

Lender Matching

I identify banks and lenders who work well with your specific profile—whether you're employed, self-employed, or have income from multiple countries.

3

Application Support

I help prepare your documentation package, present your income favorably, and navigate the bank's requirements.

4

Negotiation & Closing

I help you understand the terms, negotiate where possible, and coordinate with notaries and other parties to close smoothly.

Frequently Asked Questions

Yes, expats can get mortgages in Germany. However, some banks are more expat-friendly than others. Key factors include your employment type, income stability, and length of residency. Working with an advisor who knows which lenders work well with expats can significantly improve your options.
Most German banks require 20-30% of the property value as a deposit, plus an additional 10-15% for purchase costs (notary, taxes, agent fees). Some expat-friendly lenders may work with lower deposits for strong income profiles.
Beyond the purchase price, expect: property transfer tax (3.5-6.5% depending on state), notary fees (~1.5-2%), land registry fees (~0.5%), and potentially real estate agent fees (typically 3-6% + VAT, often split with seller). Budget 10-15% of the property price for these costs.
From initial application to final approval typically takes 4-8 weeks. Having all documentation ready upfront speeds this up significantly. The full purchase process, including notary appointment and registration, usually takes 2-3 months total.

Ready to Buy Property in Germany?

Book a free call to discuss your property goals and explore your financing options.

Book Your Free Call