We speak your language — English support for Expats. Finding the right financing in a foreign country doesn't have to be a struggle.
Getting a mortgage in Germany starts with understanding a market that is notoriously complex. Factor in the difficult German bureaucracy, and the process of buying a home can quickly become overwhelming for non-native speakers. That's why we offer full English support, guiding you through the ins and outs of German mortgages seamlessly.
Start your financing journey with our expertise: Securing a mortgage as an international buyer requires profound market knowledge and excellent direct connections to German banks. As your dedicated mortgage brokers, we understand the exact criteria of various lenders and will find the perfect match for your financial profile. Start your property financing with us today – we handle all complex negotiations and confidently overcome the bureaucratic hurdles on your behalf.
When applying for a mortgage in Germany as an expat, banks look closely at a few specific criteria:
From exploring state subsidies (KfW and regional programs) to negotiating with independent and major German banks, we evaluate your financing securely and explain all conditions to you in plain English. We handle the paperwork, making sure you feel confident in every step toward your new home.
Most expat buyers underestimate how long the German mortgage process takes. Between property search, financing approval, notary appointment and land registry entry, you should plan several weeks — sometimes longer if residency documents or probation periods are involved. Starting early gives you room to compare offers without pressure.
Standard documents include your passport or ID, residence permit, employment contract, recent payslips, bank statements and proof of equity. If you are still in your probation period or hold a temporary visa, we identify lenders that accept your profile instead of sending you to banks that will decline automatically. You can also explore our German guide on financing without permanent residency or use the mortgage calculator to estimate your monthly budget before viewing properties.
Every lender in Germany uses different rules for expats. Some accept Blue Card holders with 10% equity, others require permanent residency and 20%. If you apply bank by bank, you risk multiple rejections and wasted time. As independent brokers, we compare offers across many institutions and prepare your file so it matches the right lender on the first attempt.
We also explain German-specific topics in plain English: KfW subsidies, notary costs, land registry fees and how fixed interest periods (Zinsbindung) affect your long-term planning. That way you understand not just whether you qualify, but which structure actually fits your life in Germany.
Ready to start your journey? Let's discuss your options.