Most banks say no to expats. We know the ones that say yes.
Getting a mortgage in Germany as a foreigner feels impossible. We know which lenders work for your visa, your income, and your situation, and we negotiate the best possible terms on your behalf.
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Most banks have no process for expats. We work with the ones that do and know exactly what each one needs.
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Interest rate is just the start. We show you the full picture including structure, fees, and long term impact.
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Your income, your visa, your equity. We calculate your real borrowing power before you talk to a single bank.
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A badly structured mortgage costs you years of extra payments. We make sure yours is built to work for your goals.
Buying a property is just step one. Financing it right makes or breaks your wealth.
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Are also just as important.
Whether it's your home or your next investment property, we handle both.
No German citizenship? No problem.
Unlike comparison sites, we are hands on consultants who stay with you from first call to signed contract.
We guide you through every step of the German mortgage process in plain English with no loose ends.
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We look at the numbers behind the property itself before recommending any financing structure.
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Buying to live in or buying to rent out. The right mortgage structure looks completely different for each.
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Applications, deadlines, lender communication. We manage the entire process so nothing falls through the cracks.
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Everything happens in German on the bank side. We handle all of it so you never have to navigate it alone.
We negotiate your rate and translate every document you need to sign so you always know exactly what you're agreeing to.
For investment properties especially, how you finance affects what you can deduct. We make sure the two are aligned.
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Questions come up after the contract is signed. We stay available and keep supporting you as your situation evolves.
Book your free consultation and get a clear picture of your mortgage options in Germany based on your income, your visa, and your goals.
Why work with us. Not your bank.
Your bank works for itself. It offers you what it has, not what fits your situation. As an expat you often don't even get that far before hearing no. We work for you and we know exactly how to get you across the finish line.
We are independent. We have no obligation to any lender, which means our only goal is finding you the structure and rate that actually works for your situation.
We work with over 100 lenders including specialist providers that expats would never find on their own. That network is your biggest advantage.
German mortgage contracts are not designed to be easy to read. We translate every line, explain every clause, and make sure you understand exactly what you are signing.
Because we bring volume to our lender partners, we negotiate better terms than most individuals could get walking in alone. That difference compounds over a 20 or 30 year mortgage.
Stop talking to banks that don't know how to handle your situation.
How we get you financed. Step by step.
Every conversation happens in English. Every recommendation is built around your income, your visa, and your property goals. We stay with you from first call to signed contract.
We start with your full picture
Income, equity, visa status, property type, and goals. We map everything out before approaching a single lender so we go in with the strongest possible profile.
We run your numbers
Borrowing capacity, monthly repayment scenarios, total cost of financing. You see exactly what's realistic before you fall in love with any property.
We match you to the right lenders
Not all lenders treat expats the same way. We know which ones work for Blue Card holders, which ones accept international income, and which ones offer the best terms for your specific profile.
We handle everything
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Applications, document preparation, rate negotiation, lender communication, notary coordination. You focus on the property. We handle the financing from start to finish.
We keep supporting you after signing
Questions come up. Situations change. We stay available after the contract is signed and help you think through refinancing, overpayments, or your next purchase when the time comes.
Meet the people behind your financial clarity
Licensed, independent, and not tied to any bank or lender. We built Expats Invest so internationals in Germany could get honest mortgage advice in plain English, with no hidden incentives and no pressure to go with a specific provider.
Chief Executive Officer & Founder
Chief Executive Officer & Founder
Partner / Founder of PerFinEx
Partner / Founder of Advicon.tax
Head of Financing
Senior Consultant
Senior Consultant
Consultant
Assistant Consultant
Consultant
We work with over 100 lenders who understand expat profiles. Find out what you can actually borrow and at what rate, before you start looking at properties.
The questions everyone asks before they start.
Straight answers. No sales pitch.
Can I get a mortgage in Germany without German citizenship?
Yes. Many lenders work with Blue Card holders, EU citizens, and non EU residents with an unlimited work contract. The key is knowing which lenders accept international profiles and how to present your application correctly. That is exactly what we do.
How much equity do I need to buy a property in Germany?
You typically need between 10% and 20% of the purchase price to cover ancillary costs including notary fees, land registry, and property transfer tax. In some cases the property itself can be financed up to 100%. We tell you exactly what you need based on your specific situation.
Does my visa type affect my mortgage options?
Yes, significantly. Blue Card holders, permanent residents, and EU citizens are treated differently by different lenders. Some banks will not work with certain visa categories at all. We know which lenders work for your exact status and how to structure the application to maximize your chances.
How long does the mortgage process take?
From your first consultation to a signed contract typically takes between 6 and 10 weeks depending on the property and the lender. We manage every step actively to keep things moving and make sure nothing causes unnecessary delays.
Do you charge fees for your mortgage service?
We are paid by the lender upon successful placement, which is standard practice in Germany for independent mortgage brokers. This means you pay nothing for our service and we have no incentive to recommend any specific lender over another.
What if I already found a property and need financing fast?
Get in touch immediately. We have experience working under time pressure and know which lenders can move quickly. The sooner we start the better your chances of securing financing before the deadline.