“With residence abroad that won’t work.” — It does. With us it does.
You work as a doctor in Switzerland, Dubai, the UK or the USA and want to buy or refinance in Germany? Then you already know the rejections. I have specialised in exactly these cases and know which banks finance despite residence abroad and foreign-currency income.
You’re not alone — but well advised, rarely.
Year after year, around 2,200 physicians leave Germany to work abroad. Many still want to keep or acquire a property here — as a retirement home, an investment, or a return option.
The problem: despite excellent income and top credit standing, doctors with an international link in particular are often turned down. Many lenders shy away from the extra effort with foreign documents, residence status and foreign taxation. This is exactly where my strength lies: I have been working in this specialist segment for years and know the few banks that handle it confidently.
Why most banks reject
Since the Mortgage Credit Directive (in force since 2016), many banks have moved to financing so-called non-residents only on a restricted basis — in part only where the residence is within the EU and the salary is paid in euros. The reason is a consumer-protection detail:
Worth knowing: anyone living and working in Switzerland often has it easier than expected — Switzerland is not part of the EU, and there is a fixed circle of banks that accept residence in Switzerland and income in francs. The prerequisite is, as a rule, a property loan secured in the land register (a classic mortgage with a land charge on the German property).
These constellations I finance
Residence Switzerland
Income in CHF, cross-border commuter or permanently resident — a proven speciality.
UAE / Dubai
Tax-free income, often as a hospital doctor. Demanding, but doable.
UK, USA, Canada
Foreign currency in GBP or USD — I know the banks that examine this.
Elsewhere in the EU
Scandinavia, the Netherlands, Austria and more — handled differently depending on the bank.
Follow-up financing
An existing German financing, but now residence abroad? I solve that too.
Investment for non-residents
A let property in Germany despite residence abroad.
Why me in particular?
This specialisation is the core of Perini Finance & Property — long before I addressed the medical market specifically. Advice is in German, English and Russian. And if your property is not in Germany but in Spain or Portugal, our sister company helps: perini.es for financing in Spain and Portugal.
Frequently asked questions
Do I pay higher interest with residence abroad?
Usually not. Most banks that finance non-residents do not charge higher interest. A few institutions add a surcharge for the higher processing effort — I steer you to the cheaper ones.
Do I need equity?
For cases abroad, banks tend to be more cautious, and somewhat more equity is often expected. With very strong credit standing — and doctors usually bring that — a great deal is achievable. I check your specific case.
Is a pure investment possible, not owner-occupied?
Yes, let properties for non-residents are also possible. The bank selection is even narrower here — which is exactly my field.
I might return to Germany — is that relevant?
Yes, a planned return can make the financing easier and should be considered in the application strategy. Tell me, and I build it in.
Related doctor topics
Your financing. Negotiated across 500+ banks — not just one.
For doctors.
View page → DoctorsYour career path isn’t always linear. Your financing should be able to cope with that.
For doctors.
View page → DoctorsLittle equity, but the best outlook in the room.
For doctors.
View page → DoctorsAs a doctor you finance from a position of strength.
For doctors.
View page → DoctorsYour own practice is an entrepreneurial decision. Finance it like one.
For doctors.
View page →