Hallo, I’m Peter – a reliable, English speaking mortgage broker based in Berlin. Hi, I’m Heather – I’m assisting you with the renewal of your mortgage and will explain your options for additional borrowing. A mortgage for your new home in Frankfurt? I’m Matthias and will help you find the best deal. I´m Wolfgang – if you looking for finance in Dusseldorf, get in touch! Using our experience helps you to secure your finance and gives you peace of mind.
Why us?
The German property market is very competitive. Demand for property is fierce and property is limited. In order to be able to secure your property, you need to be able to demonstrate that you have your finance in place as soon as possible. This is where we come in. We have been helping our customers since more than 20 years. Our only goal is to satisfy their desire for their own property.

Use our market knowledge

We have invaluable experience that is only developed with time. We have worked hard to establish long term relationships with the lenders, secured a professional working relationship built on respect and trust, both working together with the same end goal. To obtain the best real estate financing on the market for you.


Be faster than others

We are communicating with our lenders on management level in order to speed up the finance approval process. We know the market and are confident that we will secure the best mortgage product for you. Foreign buyers with German residence and workplace can obtain from us an official financing certificate from a bank that you can present to the seller and therefore prove your creditworthiness.


We understand you

Our services are streamlined for the demands of English speaking buyers of property in Germany, maintaining an open and clear dialogue throughout the process. Peter Kleinwächter is a pioneer in real estate financing for foreign buyers in Germany. Take advantage of Peter’s experience from 8.000+ consultations with international clients.

Important Changes for Blue Card Holders!

ING Bank, as a leading provider of real estate financing, has restricted its offering since 15 July 2019. As of this date, only property buyers with an unlimited residence permit or EU citizens can apply. As an independent mortgage broker with a network of advisors in all seven major German cities, we prepared ourselves for this at an early stage. We still offer you very competitive mortgages, even if your current residence status is only valid for four years.

  • If you are an EU-Citizen, live, work and pay your taxes in Germany or have an unlimited visa status, we can help you to choose the right solution from more than 400 banks.

  • If your visa is a Blue Card, there are only four lenders available that are offering you a mortgage.

  • We work with these banks since more than 10 years and you can expect an excellent customer experience and peace of mind.
  • Additionally, we can give you access to a product, not offered by any other mortgage provider in Germany.
  • We are offering you an English speaking service, so making the process more comfortable and easier to understand.

  • As we are helping hundreds of international clients per year to find their best finance option, our processes are proven and tested, effective and efficient.
  • You don´t need to come to our office, just contact us and give us some brief information about your project.
  • However, we would also be delighted to welcome you personally to our modern consulting centers in Berlin or to our offices in Frankfurt, Munich,  Hamburg, Leipzig, Cologne and Dusseldorf.

  • A personal consultation, as well as the implementation of your financing up to the draw-down of the mortgage, is free of charge for you.
  • Step-by-step we will guide you to the best mortgage deal available for you.

  • You are interested to finance German residential property, but you are living and working abroad. You are looking for a competitive and uncomplicated financing for this project.
  • We are offering the four finance options which are available for you. Plus one, which is exclusive to our clients.

  • We are working with this banks since more than 10 years and can guarantee you a fast and reliable service.
  • Whether you are purchasing an existing property or a new development, we can offer you a mortgage of up to 70 % of the purchase price, a higher loan is only available for domestic buyers.

  • The personal consultation, in person and/or by email and the completion of the financing is also free of charge for you.
  • On request, we can introduce you to experienced lawyers and tax advisors specializing in the needs of foreign investors.

  • In Germany the interest rates are fixed over the following terms, 5, 10, 15, 20 even 25 years. Most clients opt for 10 years primarily for tax reasons, i.e no Capital Gains Tax payable after 10 years of property ownership.
  • Repayment of your loan is flexible allowing us to make adjustments ensuring your investment goals are achieved.

We are reliable, english speaking mortgage brokers with access to the best product range and lowest interest rates for international clients purchasing property in Germany.
Our Corporate Mission
Peter Kleinwächter is a Senior Consultant of MLP Finanzberatung SE (MLP), Germanys leading Finance Advisory Company for academics and private clients.
We start by listening to the views and expectations of our clients and then present suitable options in a comprehensible way. This allows them to make the right decisions themselves. For the implementation, we examine the offers of all relevant product providers in the market rather than trying to market our own products. In addition, clients can take care of all their important banking business with MLP.
Our service is free of charge. We get compensated by the product providers you have chosen.
MLP is also Germany’s largest independent broker for personal insurance. We can therefore answer all your questions about family insurance as well as the protection of your income and your property.

No Personal Data grabbing

We do not believe it is appropriate to ask for personal information, such as your income situation, when you submit information to a website. Information about the amount of your investment or assets should also be kept strictly confidential.  It is not necessary to do this in order to obtain a short-term assessment of your financing project. We would like to leave it up to you how you would like to share your data with us. Just send us a short email and you will receive a result on the same day. By the way, it is not the algorithm that realises your mortgage. German banks still don’t have many computerized processes and they look much more at details. Unlike in the UK or the US, it’s not a popular sport switching a mortgage from bank to bank any other year.
You need experience. We have it.

Find us …

Please do not hesitate to send us your message, question or consulting request by email or telephone. You will find our modern consulting center in the heart of Berlin, directly opposite Berlin Central Station. Our branches in Munich, Hamburg, Cologne, Dusseldorf and Frankfurt are also located in the city centres.

Interest Rates
We find that advertisements such as “interest rates starting from 0,5%” offend the intelligence of our customers and raise unrealistic expectations. The terms of a financing always depend on the personal situation of each of our clients. This does not contradict the fact that we will always achieve the best possible conditions for you.
Domestic Customers

The applied interest rate is based on both the loan to value of the property and your employment position i.e employed or self-employed. The fixation period are from 5,10, 15, 20 or 25 years. The shorter the fixation period the lower the interest rate.
The amount of equity you invest and thus the risk of default of the banks also plays an important role.


Many banks reduce the interest rate if customers can afford to repay the loan within the fixed-interest period. This also reduces the risk of default on financing for the banks.

International Investors

Only a few German banks are offering mortgages to foreign investors due to their internal lending regulations. Through our constant open dialogue with such banks and established long term relationships at senior level, we can ensure you are getting the best deals possible.


The applied interest rate is based on both the loan to value of the property and your employment position i.e employed or self-employed. The fixation periods are from 5,10, 15, 20 or 25 years. The shorter the fixation period the lower the interest rate.
The mortgage products for international investors are very standardized and you do not benefit from being able to repay the loan more quickly or from using more equity.

Finance approved.
What’s next?
Your mortgage contract is signed, sealed but not delivered, if you are buying an apartment in a new development. The developer will send you invoices due to the construction status of your property. The construction period can be up to 24 months or longer and you have to stay in close touch with your bank. We will save you time and ease your mind by guiding you through this process and assist you by preparing your payment orders to the lenders.
Refinancing my mortgage
At the expiration of the interest fixation term, you have two options:
  • Paying off the entire mortgage or as much as you wish.
  • Refinancing it with your current bank or a another lender, which is offering a better deal.
You also have the opportunity to have your property revalued by the bank and to receive additional financing that allows you to make further investments or to replace more expensive financing in Germany or your home country. Your mortgage will be monitored by us continuously and we will inform you about your options in advance of your interest fixation term expiring.
We will guide you through the lending process from start to finish, answering all your questions by phone and email immediately. We will provide you with the mortgage contract. This service is free of charge as we get compensated by the bank.
We will liaise with your solicitors and the seller / developers of your property so that we are all informed each step of the way. We as well guide you through the draw-down process of your mortgage, this is particular relevant if you are purchasing a new development. In this instance, the loan will be drawn down at various stages of the construction process, as payment becomes due to the developer.
Personal advice – all over Germany
MLP has branches in all university cities in Germany. MLP has around 1,900 independent client advisors. Around 1,700 employees work in the administration and support of the consultants. Experienced English-speaking consultants who are perfectly prepared for the needs of foreign real estate buyers are available to you in Germany’s eight major real estate locations. If you have your workplace in Germany and also need high-quality advice on all aspects of real estate financing, you can rely on the experience and expertise of our colleagues.
James explains!
James Meads is a UK citizen who has lived in Germany for 12 years and now divides his time between Wiesbaden, the UK and warm, sunny places during the winter. He’s dealt with many of the same frustrations and challenges you’re probably facing and also helped friends do the same. He understands too how overwhelming it can be dealing with German administration and bureaucracy, especially if you don’t speak fluent German!
Professional working relationships built on respect and trust

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