Investing and living in Cologne

Mortgage in Cologne

Cologne is known for it’s open-minded spirit and the beauty of breathtaking building like the Cologne Cathedral. Like most big cities in Germany like Berlin or Hamburg, Cologne sees growth and rising property prices.  To go along with a good quality of life, investing in mortgages and moving to Cologne is as attractive as ever. While prosperous, navigating Cologne’s housing market, finding the best property and mortgage in cologne and getting the most of your investment in the long run will take sound advice and an experienced mortgage broker in cologne. Just like us! With our experience and connections to banks and local money lenders, we make sure to find the best possible property for you. We make it so you don’t have to decide whether to move or to invest. Our team will help with the process of obtaining a mortgage from A to Z. Completly free of charge. 

When your Home is also your Investment

Consider the location factors of the property. In order to guarantee a long-term value development of a property it is necessary to understand the already known data of the location. We provide you with this important data at the level of each district of the city and update it every month. With up-to-date data and experts at every level ofobtaining a mortgage in cologne, we will make data-driven decisions to find the best property for your personal, and specific, situation.

Find the best Mortgage in Cologne now

We have developed a mortgage and repayment calculator, that shows you the best terms and conditions to suit the local housing market, your financing requirements and personal situation in just a few minutes. Unlike most other mortgage providers for the German market, we request no personal data, enabling you to remain private and with anonymity. Please go ahead start the process of your property financing. 

Our service is free of charge for you. As it is common that mortgage brokers in Germany are getting paid by the banks. That’s why you can enjoy our expertise for free, while we work hard to find the best mortgage for you.

Our Premises in Cologne

Your German Mortgage Team in Cologne

For more than 25 years we have been helping clients from all over the world to implement their real estate financing in Germany, while providing expert insights into the cologne housing market. We put our market knowledge at your disposal and guarantee a smooth process of your financing from the first contact to the disbursement of the loan.
Franzisca Laeschke

Franzisca Laeschke

Senior Financial Consultant

Franzisca gives everything to make your property purchase in Cologne come true. She speaks English and French. Tell her about your project and she will be your reliable advisor. Right from the start.

Tim Rust

Senior Financial Consultant

Tim is you fast and reliable partner for property finance in Cologne. He would love to hear your investment story and goals. He´s excellent English speaking and offers you best advice.

Housing Market Cologne

There was a significant rise in the volume of new residential completions in 2018 following years of decline. Around 4,000 new apartments were added to the market, the second- best result of the last 18 years and an increase of 84% compared to the corresponding period last year. Most new apartments are to be found in the districts of Ehrenfeld (880 apartments) and the city centre (590 apartments) and therefore in very central locations in the city. In 2020 our mortgage brokers in cologne make sure you can capitalize on the city's growth and opportunities in the housing market.
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In which way can this data influence your investment decision?

Get a more detailed overview of Cologne. Rather than just looking at the city as a whole, go that bit deeper. Look at the different districts, look at the property prices and how they have been impacted by changes i.e gentrification that has taken place in the last years. This could be a good indication of the impact on the prices for the future.

A good indication of how realistic the property prices are, can be gauged on how long properties stay on the market before being sold. When properties are slow to sell , this could indicate room for negotiation! When properties are moving quickly, then you have to move quickly too!

Macroeconomic data can also provide some valuable information, particularly when you are looking at it from a ‘supply /demand’ perspective. Comparing the number of households in the district and the number of housing units available, is a good indicator how the property prices could develop. When the demand is higher than the number of properties available on the market, prices will rise.

The age of the inhabitants in a district will certainly have an effect on the property prices. Districts with a younger age group, those finishing their studies starting new jobs, starting families etc create a demand for cafes , restaurants, entertainment outlets, kindergartens, organic markets etc enabling new businesses for flourish. This in itself creates a further demand as more people want to be part of this and so, is then reflected in the property prices. Back to the supply/demand.

When a district has a healthy employment rate, therefore a stronger purchasing power, this will undoubtable have a more positive effect on the future potential for property.

The average net income in a district to some degree can be related with the employment status, but of course, a lower net income district with a high employment rate with young residents could also become a future area for development. Sometime we also have to take a longer term view.

By considering the number of people per household in a district, this will help determine which district best match with your requirements and investment strategy. Buying a 3 room apartment for a family could also work well for student sharing accommodation, if there is a high student presence in that district and the demand is there.

City Report Cologne

Since 2014, we have had the pleasure of assisting JLL clients and advisors in finding the best possible financing for their investment projects in Germany.
MLP Cologne

New-build apartments continue
to achieve top prices

Thanks to an increase in the number of building permits granted, it was also possible to increase the construction surplus once again, ensuring that a higher level of completions can be expected over the coming years. The City of Cologne issued building permits for around 3,000 apartments in 2018, a 17% increase compared to the previous year (+440 apartments). However, it is unlikely that the number of completions will be sufficient to meet the growing demand for housing. Cologne’s population grew by 3.5% between 2014 and 2018 and although this was not as strong as the population growth registered in other major German cities, demand for housing in Cologne continues to rise, significantly exceeding supply. By setting a target of around 5,000 new apartments per annum, the City of Cologne is also r ecognising that this high level of demand cannot be satisfied by the current volume of completions. At least 25,000 new apartments are to be built by 2030 and due to the limited space potential in the city, the focus has shifted to re-densification and the conversion of commercial space to residential use. Therefore, even large-scale development projects in the city will only be able to offer a relatively small number of residential units and without mobilising large volumes of land or making significant housing policy interventions, the future provision of a sufficient volume of affordable housing will be difficult to guarantee.

Top segment with strong rental growth

In Cologne, average rents have continued to rise significantly.                    A comparison with the previous year shows rental price growth of 3.7% to €12.05/sqm/month in the second half of 2019. This increase is caused by the lack of supply and, at the same time, persistent high demand. In the top segment, rents climbed by 9.6% to a new high of €19.40/sqm/month. Even in the lowest rental price segment, an increase in rents of 5.3% was observed, which is above the 5-year average growth rate of +4.4%. Only rents for new-build apartments have fallen since the previous year (-3.3%), to reach €12.50/sqm/month in the second half of 2019. From a local perspective, Nippes and the city centre experienced significant price increases, but significant rises in asking rents can also be observed on the east bank of the Rhein. Nonetheless, there is potential for further rent rises, especially in the south of the city.

Purchase prices for condominium apartments continue to rise

The growth trend is also reflected in Cologne’s market for condominium apartments. In the second half of 2019, the average purchase price for a condominium apartment was €4,020 per sqm, around 12.3% higher than the price achieved during the same period the previous year. Only Düsseldorf achieved higher growth by comparison. In terms of price trends, the top and bottom segments stand out with strong growth. In the top segment, the average purchase price rose by 7.5% to €6,290 per sqm, and in the lowest price segment (cheapest 10% of the apartments on offer) by 7.2% to €2,520 per sqm. The districts of Chorweiler and Lindental in particular contributed to these developments. In Chorweiler, for example, there was an increase of 23% in the top segment and 14% in the lowest segment. Price trends in peripheral locations are leading to an increased shift in demand for condominium apartments to the periphery. Areas on the west bank of theRhein are also benefiting from the limited and, above all, affordable housing supply.

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