Qualify as a property buyer
Qualify financially with Your German Mortgage.
Choose the property you’ll be calling your own.
Get your mortgage contract
It includes the guarantee for the bank on the property and has to be notarized.
Notarize the purchase contract
The German way to secure your ownership through an impartial notary.
Move into your new place
After the purchase price has been paid in full, you have full ownership.
FAQ - Mortgage Calculator
We are here to answer your questions about the German Housing market
How much loan / mortgage can I afford?
As a rule of thumb you just have to multiply your monthly net income times 100 and you have the maximum loan amount most banks will provide to you. This amount can be 100% of the purchase price. The purchase fees (notary / purchase tax and property agent fee) should be available in cash.
Is it possible to get a pre-approval certificate for my German Mortgage?
yes, this is possible but only with certain banks. But we can give you a very good indication whether your application is getting accepted.
How long will it take until I receive my Mortgage?
This depends entirely on the current number of applications to the bank involved. The period can last two to three days, but also up to three weeks. In any case, however, we can inform you of this immediately because it is displayed in our IT systems.
Can you guarantee that I get a Mortgage in Germany?
If your application complies with the lending guidelines of the banks and you have a positive internal liquidity calculation at this bank, you will of course receive a loan agreement. So far we have found a financing option for every case.
Are modernisation costs for my property also financed?
Yes, of course these costs can also be taken into account and financed by the bank. The banks, however, differentiate between value-enhancing measures and purely cosmetic work. Value-enhancing measures are:
– Bathroom renovation
– New floors
– New electrical installation
– New heating
– New windows
– Change of floor plan
Costs for painting work are generally not taken into account.
Does the bank also finance my new kitchen?
No, unfortunately not. A kitchen can be by and large removed out of the house or the apartment and therefore cannot be financed with a mortgage.
What do I need to do after my mortgage has been approved?
Get Your Offer
New developments - properties under construction – how will the purchase price get paid?