Residence abroad

You live abroad and want to finance in Germany.

With residence abroad, a different set of banks applies, with different documents and usually a loan-to-value of 60–70%. Which bank takes your case depends on your country of residence. Pick your country — each page is tailored to that situation.

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By country of residence

Banks assess non-residents differently. Proof of income, currency and country of residence decide who finances. We know the banks that actively take these cases and broker independently under §34i GewO.

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Non-resident overview

The starting point: requirements, documents and loan-to-value when you buy in Germany from abroad.

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EU residence

Within the EU financing is often simpler — which banks accept EU residence.

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Swiss residence

CHF income, proximity to the border, bank selection — the specifics for Swiss residence.

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NL / Austria residence

Neighbouring countries with their own set of banks — what counts for NL and AT residence.

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UK residence

Post-Brexit: GBP income and the banks that still finance UK residence.

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USA / Canada residence

USD/CAD income, time difference, documents — financing from North America.

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UAE / Dubai residence

Tax-free income, proof of income and the right banks for UAE residence.

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USA · UK · Asia expats

Several locations abroad, one logic: proof of income and bank selection compared.

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Frequently asked questions

Can I get financing at all with residence abroad?

In many cases yes. Country of residence, proof of income and the property are decisive. Loan-to-value is usually 60–70% and the choice of banks is narrower than for residents.

Which documents do I need?

Proof of income, proof of identity and property documents. With foreign-currency income, conversion evidence is added. We tell you in advance what your bank requires.

Will the bank count my foreign-currency income?

Some do, with a discount. Which bank accepts which currency varies a lot — that is exactly where we come in.

Let’s talk about your financing

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