Obtaining a mortgage to become a home owner in Germany

Embark on your journey to homeownership in Germany with confidence and ease. At finbird.digital, we specialize in simplifying the complex landscape of mortgages, loans, and finance. Our dedicated team is here to provide you with comprehensive financial solutions tailored to your specific needs. Whether you're seeking a mortgage for your dream home or need a loan for other financial purposes, our experienced team is ready to guide you every step of the way. We understand the intricacies of mortgage rates and loan options in Germany as an expat and can help you secure favorable rates and terms. Trust us to be your sparring partner, offering expert advice and personalized assistance throughout the mortgage and loan process. Take the first step towards your financial goals today by contacting us for a consultation.


Start your individual mortgage request

Overcoming loan challenges a buyer

Navigating the complexities of obtaining a mortgage or loan as a first-time buyer in Germany can be challenging, especially for expats. At finbird digital, we specialize in supporting expats through this journey, providing expert assistance and help you secure a mortgage or loan with favorable interest rates. We understand the unique challenges expats face, including the complexities of managing multiple tasks simultaneously and dealing with legal and documentary matters predominantly in German. Our team is here to guide you every step of the way, ensuring a smooth and streamlined experience.

We will work closely with you to understand your specific needs and goals and you can leverage our expertise and network to help in your journey in the mortgage rate and loan market. 

With finbird digital, you can focus on what matters most - achieving your dreams of homeownership in Germany and let us simplify the process by breaking down the complexities of obtaining a mortgage or loan. Together, we will make the market more transparent and secure the best possible interest rates as well as navigating the complexities of mortgages and the loan market.

Avoiding mistakes and pitfalls

Helping You Secure Your Mortgage

Securing a mortgage is a crucial step towards achieving your homeownership goals in Germany. That's why we prioritize your mortgage needs by adopting a digital-first approach, ensuring a fast, efficient, and personalized experience. Using digital tools and resources, we build a strong case for your mortgage application. Our experienced team carefully analyzes your investment opportunities and evaluates interest rates to find financing options that align with your budget and financial goals. We take into account your unique financial situation to ensure that the mortgage rate you choose is affordable and sustainable for you in the long term. Throughout the mortgage process, we provide guidance and education, empowering you with the knowledge to make informed decisions. Our team is here to demystify the complexities of mortgage financing, making it easier for you to navigate each phase of the journey in Germany.

Free initial consultation
We will clarify your status quo, your mortgage affordability and investment options.
Financing scenarios
Together, we go through all available terms and conditions of a loan, e.g. rates, flexibility options and duration.
Digital information exchange
Documents and financing offers are securely shared via a digital system.
Negotiation of financing terms
Conditions are determined & negotiated from a pool of lenders to secure attractive financing.
Contract finalization and signing
Contracts will be finalized and collateralization documentation provided to the acting notary.
Payout and conclusion
The payout of the loan will be overseen until the transaction is finalized.

Contact us to start the mortgage process

Understanding the Impact of Interest Rates

Interest rates have a significant impact on your mortgage and loan experience. They affect your borrowing costs, monthly payments, and overall financial feasibility. At finbird digital, we recognize the importance of interest rates in the mortgage and loan process. Our goal is to help you navigate this crucial aspect and make informed decisions that align with your mortgage rate, loan, and financial needs. We closely monitor market trends and one of your main benefits of working with an experienced mortgage and loan advisor is to be able to secure competitive interest rates in Germany. By analyzing your unique financial situation and goals, we identify mortgage rates and loan options that offer favorable interest rates and suit your specific needs. Our network and expertise allow us to provide you with access to the most competitive available rates in the market. Our team takes the time to explain how interest rates impact your monthly payments and long-term financial outlook. We provide you with the knowledge and understanding to make confident choices, ensuring that you select the mortgage or loan option that best fits your financial situation. At finbird digital, we are committed to optimizing your mortgage and loan journey. We provide personalized solutions in the world of mortgages, loans, and finance. Let us guide you through the intricacies of interest rates, so you can make the most of this essential aspect of mortgage and loan financing.

Investment development-1

How can I get a loan and secure a mortgage as an expat in Germany?

Mortgages and loans

Can I purchase real estate in Germany without speaking or understanding the language? What preparations do I need to take? We want to figure out where to begin and what we need to be aware of.

Property and loan types

What is the process of buying a building that is still under construction? Should I buy a land plot & build my house on it or should I buy a house incl. plot through a contractor?

Loan affordability and valuation

How can we make sure that the property price is not overpriced? How can we benchmark the asked housing price? Are  prices expected to rise further? What other costs do I need to consider?

Mortgage eligibility

What are the prerequisites for a mortgage? What is an optimal down payment amount and what are potential restrictions? Will any extra fees be applicable?

Residency status

Does a permanent residency affect mortgage and loan eligibility? What are mortgage options for blue card holders? Does the status decide feasibility? What if my partner is a German citizen?

Financing specifics

What government benefits can I take advantage of to subsidize my home purchase? Am I eligible to get a mortgage as a self employed business owner? How can I finance a home as a freelancer?

Get your personal mortgage assessment

Why finbird and additional services


As an expat buyer in Germany, you may encounter unique challenges related to language barriers, unfamiliar regulations, and unfamiliarity with the local market. Having a network of trusted professionals who understand the nuances of the German mortgage market can make a significant difference in your buying journey.  finbird not only offers you a comprehensive financing solution but also provides access to a broad network of experts. The network acts as a support system, ensuring that you receive the necessary introductions at each stage in your journey. The importance of accessing a professional network of experts becomes evident when considering the complexities involved in property transactions. We work closely with qualified appraisers, experienced lawyers, and tax consultants to ensure that you receive the best possible advice and support during the real estate process.

Our collaboration with appraisers allows you to obtain a detailed property valuation to determine the realistic value of your potential property. This helps you make an informed purchase decision and ensures that you pay a fair price.

The cooperation with lawyers is of great importance to ensure that all legal aspects of the real estate purchase are properly handled. Our partner lawyers assist you in reviewing contracts, conducting due diligence examinations, and ensuring a smooth transaction process.

In addition, our network of experienced tax consultants in the real estate field is at your disposal to ensure that you understand and optimize all tax aspects of your real estate purchase. You will receive professional advice on tax optimization and compliance with all tax obligations related to your real estate investment.

Furthermore, for expats, access to translation services is a constant companion along the property buying journey.

We work with carefully selected professionals to ensure that you benefit from their expertise and knowledge, and that your real estate investment is built on a solid legal and financial foundation.

Property search

Finding service


Surveyor network


Legal and tax network


Translation services

Guiding You Through Your Mortgage Journey in Germany

At finbird digital, we specialize in assisting expats as they navigate the mortgages and loans in Germany. Our goal is to provide comprehensive services that cater to your individual needs and help you secure the right mortgage. With our extensive experience, strong network in the real estate industry, and expert advice on mortgage rates, loans, interest rates, and finance, we are well-equipped to support you every step of the way.

How Can We Work Together?

We understand that getting a mortgage is a crucial part of your real estate buying journey in Germany. Each mortgage case is unique, and every buyer has different financial circumstances, preferences, and tolerance for risk. We are committed to making mortgage affordability a priority. We analyze your financial situation, explore various loan options, and assess interest rates to ensure that you find a mortgage that fits your budget and goals. Our team will guide you through the intricacies of mortgage rates, providing personalized advice and assistance to help you achieve your dream of homeownership in Germany. With our expertise in finance and real estate, we strive to simplify mortgages, loans and interest rates to ensure that you make sound financial decisions. To start the process, we will have an initial conversation to assess your current situation and discuss the mortgage rate options available to you. To help us better understand your needs, we will provide you with a confidential pre-intake questionnaire. Once you complete it, we can move forward and guide you through the next steps, helping you find the right mortgage solution in Germany.

Not ready to buy real estate yet?

Check out our free educational resources below


finbird digital events


finbird digital blueprints


Recent blog posts



finbird digital events

At finbird digital, we understand the importance of staying informed when it comes to mortgages, loans, interest rates, and related topics. That's why we organize recurring events specifically designed to keep you up-to-date and empowered with knowledge in the field of mortgages and financing. From exploring different mortgage options to navigating the loan application to demystifying interest rates. We understand that interest rates play a significant role in your mortgage journey, and we aim to provide clarity on how they impact your finances and overall loan affordability. Furthermore, our events delve into the world of finance in relation to property ownership. Our experts share practical tips and actionable advice to help you make sound financial decisions in your ownership journey. By attending our recurring events, you'll have the opportunity to expand your knowledge in the realm of mortgages, loans, interest rates, and finance. Stay tuned for our upcoming events by visiting our finbird digital event page. Whether you're just starting your financing journey or looking to expand your understanding, our events provide valuable educational opportunities to support you every step of the way. 





finbird digital blueprints

We have created a series of educational guides that provide practical tips and valuable insights for buyers, including important aspects such as mortgages, loans, interest rates, and finance. These guides are designed to provide ongoing educational information. Our goal is to equip you with the knowledge to make informed decisions about mortgages, loans, interest rates, and finance. If you're a first-time or repeat buyer, our guides will help you gradually build knowledge, empowering you to make confident decisions throughout the buying journey. Simply subscribe to our newsletter and unlock the expertise you need to navigate how to buy real estate in Germany, including mortgages, loans, interest rates, and finance.

Blog Posts

Whether you're a first-time buyer or an expat looking to invest, our blog posts offer valuable guidance to support your journey. Stay tuned for regular updates as we continue to expand our blog with new posts about mortgages and the real estate market in Germany.

How to search to find real estate

Properties come in many different variations: From a single apartment with less than 40 square meters of living space to a villa in the suburbs....

Mortgages, loans and financing options

When buying real estate and financing a part of it, there are a few things to consider when looking at requirements of potential lenders. A bank, for...

Residency Status 101

The German law provides for various forms of residence titles: Visa, Residence Permit (Aufenthaltserlaubnis), the Permanent Residence in Germany...

What to know about buy-to-let

There are many reasons to consider buying a real estate for buy-to-let or investment purposes. A passive income, a plus for your pension or a home to...


Have questions about real estate, mortgages or loans or interest rates in Germany? Our FAQs section is here to provide you with answers to common queries and help you gain clarity on important aspects. We have compiled a collection of frequently asked questions based on our experience and expertise in the field. From understanding mortgage options to navigating legal requirements, whether you're curious about loan rates, mortgage affordability, or the overall mortgage process. Check them out below for more details.

  • What should be the minimum budget (net income) I need for to finance real estate in Germany?

    When considering what you should be earning to obtain a mortgage in Germany you should calculate with a minimum budget of 1.800 - 2.000 EUR net income. But this is just a rough estimation linked to an average estimate of living costs in Germany. To get closer to a realistic number for your case, several factors need to be taken into account such as the actual living costs of the area the property is located in, the property price, the current interest rate environment and other factors.

  • How much money/savings/assets should I have for a down-payment?

    A property investment usually has two parts, an equity contribution that you provide from existing savings, also called down payment, and a loan taken from a lender. When buying in Germany, the side costs of a property purchase (notary, register, relator) should be paid from your savings. Your eligibility for a larger mortgage/loan (100%, 95%, 90% of the property value) then depends on your income and residency situation along with other factors. A solid estimate is to have 20% of equity/savings available for a typical property mortgage.

  • How can I start the process and what are the steps?

    A good start is always to first assess what mortgage you can afford based on your current income and savings. With these two inputs, your mortgage can be calculated and your property budget can be realistically defined. Knowing your budget before you start your property search will save you time as you will be able to make a realistic offer in a competitive market and you will not have a mortgage that is too high of a burden for your financial health. Your financial advisor is able to give you a good property budget estimate. You can get started click the contact us button here. During your property search, you will have to then review financing offers, evaluate the property in terms of existing risks and finalize with a notary.

  • What is the mortgage and financing timeline - when to apply for a mortgage or get approval?

    The property budget should always be the first step. You will need to provide your mortgage advisor with your net income figures, your available savings, other debts and a few other information on your status (what is your residency status, are you married, do you have children) to calculate your property budget. To help you make an offer for a home or apartment during your property search, your mortgage advisor will also be able to provide you with a mortgage pre-approval that you can provide to a realtor or owner of a property and which shows that your numbers have been reviewed.

  • How does the detailed mortgage process look like in Germany?

    Apart from determining your property budget, there are also other aspects to consider for a mortgage (fixed period, flexibility, installments) that you should decide about before you sign a long term financing commitment. You will need to take a view on how much security you prefer along with any flexibility you want to ensure during your mortgage commitment to a lender. Additionally, your mortgage advisor will be your sparringspartner along the process, if there are any questions or introductions to other professionals required.

  • What are the processing fees and closing costs?

    The side costs or processing fees are standardized in Germany and consist of the purchasing tax (Grunderwerbssteuer), the notary and register fees (Grundbuch- und Notargebühren) and in some cases the realtor fee (Maklercourtage). All of these fees will always be calculated a percentage amount of the property purchasing price, but some of the fees will vary depending on the area (Bundesland) the property is located in. Berlin as a purchasing tax of 6,0% while Munich has one of 3,5%. The notary and realtor fees are usually the same in all of Germany. When obtaining a mortgage to buy a property, these processing fees in most cases are expected to be paid from savings/equity.

  • What are the restrictions for mortgages and loans?

    Two aspects are relevant in this context, your credit rating and the value of the real estate you want to buy. Regarding your credit rating, restrictions will apply in terms of your available net income and savings. Additionally, your age will also be relevant as this effects the maximum duration of a loan, because your income situation will change once you become a pensioner. Restrictions may apply to usage (residential vs. commercial) as well as location, type, age, etc.

  • What are the restrictions of buying real estate as an expat in Germany?

    As an expat or foreigner wanting to buy in Germany, your residency status can be a decisive factor as it will determine the eligibility of a mortgage. As an EU citizen, you can usually expect the same requirements applied to your case as would apply for a German citizen (i.e. up to 100% of the property value). With a permanent residence permit, you will increase your chances for a higher value loan but as a blue card holder or with a dependant visa, you are considered a higher risk by potential lenders, which is why fewer banks are willing to grant you a loan. Those that do grant a loan usually require a higher down payment or an interest rate premium. Still options also exist in the latter cases, contact us to get more information.

  • What are the differences between buying an old or brand new apartment?

    Both existing buildings and newly built properties have pros and cons. Most properties are existing buildings, so you will have a larger pool to choose from. But you will have to assess the individual risks of these properties. Is the heating ok, is there mold, are there any cracks? To correctly come to a conclusion it is recommendable to include a professional surveyor into your evaluation process. For newly built properties on the other hand, you will have a property that is up to date and where modernisation or renovation measures will not be necessary for the mid to long term. However, newly builts are usually more expensive than existing properties. So it is in the end a combination of your personal preference combined with the budget that is applicable to your individual case. If you want to learn more, get the process started with finbird digital.

  • What options are available for a mortgage/financing to optimize my interest rate?

    There are several possibilities that can be included in one’s overall financing concept for a mortgage in Germany. You will have a main mortgage from your primary lender but can also add additional loan programs to your overall financing. These are government programs that provide subsidized interest rates for buyers who want to become owners and buyers, who will modernize an existing building and bring up their currently low energy efficiency. Also tax benefits can be included to improve the overall financing concept. Have your mortgage advisor review your individual case and your options here.

  • How can we know whether an asked purchase price is the market value and will be financed?

    When a bank evaluates your eligibility for a mortgage, they will always also verify the property value and if the market price is feasible. For this, lenders use a specific database that comprises of a large number of properties and their respective market valuations. Your mortgage advisor will also have access to this database and will be able to give you an estimate if the asking price is too far away from the more conservative values a bank will use for their estimation and if this will make a financing more difficult. Let’s speak about your individual case today, get the process started here.

  • How to get started with the mortgage process?

    Sign up with finbird digital to get your budget calculated, see what you can afford and what the optimal financing concept is for you. finbird digital will also act as a sparringspartner along your journey. Click, the contact us button on our main page, fill out the pre-intake questionnaire and get the process started.