DE Start your request
Mortgage Financing

You found the property. Now structure the loan.

Over decades, interest rate, fixed-rate period and repayment structure decide tens of thousands of euros. As licensed real estate loan intermediaries (Sec. 34i GewO) we compare banks and structure your financing around your life – not the other way round.

Request financing Book a call
Purchase, build & refinancing Sec. 34i GewO licensed English documentation support
Run the numbers yourself

Six mortgage calculators – right here.

Monthly rate, purchase budget, closing costs, amortisation, follow-up financing and offer comparison: our calculator suite runs free in your browser, no sign-up – fully available in English.

Open the calculators
  • Rate calculator: what your desired financing costs per month
  • Budget calculator: how expensive the property may get
  • Closing-costs calculator: real costs by federal state
  • Amortisation & follow-up: remaining debt, year by year
  • Offer comparison: two loan offers side by side
More than the rate

What really matters in a German mortgage.

  • A sustainable monthly rate: calculated with real living costs and buffers – not fair-weather budgets.
  • Fixed-rate strategy: 10, 15 or 20 years, including the statutory right to exit after 10 years (Sec. 489 BGB).
  • Flexibility clauses: unscheduled repayments and repayment-rate changes cost little and save plans.
  • Equity deployment: closing costs (~9–12%), reserves and subsidised KfW loans planned in properly.
  • Follow-up financing early: forward loans instead of accepting your bank's list-price prolongation.
For internationals

Buying property as a non-German citizen.

There are no citizenship restrictions on buying property in Germany – but banks assess residence status, income history and sometimes visa horizons. We know which banks are open to which profiles, prepare your file accordingly and translate the process – from Notar to Grundbuch – into plain English.

Typical requirements: stable German income, equity for closing costs, and for non-permanent residents often a somewhat higher equity share. We check your case before you fall in love with a listing.

The process

Four steps to approval.

Clarify the budget

Household calculation and maximum rate – know what works before you view properties.

Prepare the file

We build a bank-ready dossier – it measurably speeds up credit decisions.

Compare offers

Conditions from multiple banks, transparently side by side – subsidies included.

Close & disburse

Notary appointment, disbursement conditions, commitment interest – we stay on it.

Common questions

German mortgages, briefly answered.

Ask a question
How much equity do I need?
As a guideline: at least the closing costs (roughly 9–12% depending on the state) from your own funds. More equity visibly improves the rate; 100%+ financing exists but is pricier and only sensible with very stable income.
Does your service cost anything?
Usually not for you: like with insurance, the financing bank pays our commission. You receive conditions as in direct sales – plus comparison, preparation and guidance in English.
Can I get a German mortgage on a temporary residence permit?
Often yes – banks differ enormously here. Permanent residence widens the field and improves conditions, but several institutes finance solid profiles with temporary permits, typically with more equity. That's precisely where a broker's bank knowledge pays off.
What is a forward loan?
A follow-up loan whose rate you lock in up to five years before your current fixed period ends – insurance against rising rates for a small premium. Whether it pays off depends on the market view; we model both scenarios for you.
From dream to approval

Have your financing properly structured.

Budget, conditions, subsidies – prepared clearly and bindingly.

Request financing Book a call