Which German banks finance tax non-residents?
Yes — German banks do finance buyers who live abroad. Just not every bank: of more than 650 institutions, 6 to 10 typically come into question for a given case. That is not a rejection, it is a question of selection — and answering it is what we do every day. We reach those lenders through our platform access (Prohyp, Baufinex, Forum, ABACUS, Hyposmart). And you need no German: the conversation, the paperwork and every question run in English, Russian, Spanish or French — the German bank documents I explain to you.
In short
Which banks finance non-residents — and who finds the right one?
From 650+ banks, a small circle of 6 to 10 institutions with international experience fits non-residents. We broker independently.
Why do only 6–10 remain from 650 banks?
Most of the 650 are built for customers resident in Germany; many regional institutions only lend within their own region and direct banks are optimised for standard cases with German income — the ones with international experience remain. It is not about your creditworthiness.
Do non-residents automatically pay more interest?
Usually not — most institutions in this business charge no blanket surcharge; a few justify one with higher processing effort. Insurers can be an option when a later move abroad or an uncertain follow-up financing is foreseeable.
Why is the pool of banks smaller for tax non-residents than for residents?
Not because of creditworthiness, but because of each institution's internal scope: many regional institutions are bound to their local service area, and direct banks are optimised for standard cases with German income — neither fits residence abroad structurally. Of the 650+ banks we reach through our platform connections, tax non-residents are left with a circle of 6 to 10 institutions with international experience. This is not legal or tax advice.
The number: 6 to 10 institutions — out of 650+ in reach
For tax non-residents, a small circle of 6 to 10 institutions with international experience applies. Which bank fits in the end depends on the country of residence, the income currency and the property. Details by country of residence on the page Buying property in Germany while living abroad.
650+ banks — the institutions at a glance
Through our platform access (Prohyp, Baufinex, Forum, ABACUS, Hyposmart) we reach more than 650 banks, building societies, development banks and insurers. Eight are profiled in detail in our bank comparison. The list below shows the breadth behind it, grouped by institution type:
Nationwide & regional
1822direkt, Badische Beamtenbank (BB Bank), Commerzbank, Consors Finanz, Degussa Bank, Deutsche Bank, DKB, DSL Bank, DZ Hyp, DZ Privatkundenbank, Gladbacher Bank, Hanseatic Bank (subordinated loans only), HypoVereinsbank, ING, Liga Bank, Münchener Hypothekenbank, NordLB, Santander, Sparkasse, Targobank, Volksbank/Raiffeisenbank.
In the bank comparison →State & federal funding
Kreditanstalt für Wiederaufbau (KfW), Investitionsbank Schleswig-Holstein, Investitions- und Förderbank Hamburg — plus the relevant state development bank by federal state.
By federal state →Bausparen & combined financing
Alte Leipziger Bausparkasse, Bausparkasse Mainz, Bausparkasse Schwäbisch Hall, BHW Bausparkasse.
In the bank comparison →Long fixed-rate periods
Allianz, AXA, Barmenia, ERGO, Hannoversche Leben, Höchster Pensionskasse, R+V, Signal Iduna, Universa, Versorgungswerk Zahnärztekammer (VZN), Volkswohl Bund.
In the bank comparison →For the specific tax non-resident case, though: not every one of the 650+ institutions assesses every constellation the same way — we address your case to the fitting institution from this network, rather than scattering it blindly. The eight profiled in our bank comparison (among them ING, Sparkasse, Volksbank, Commerzbank) each state openly where residence abroad no longer fits their structure.
Frequently asked questions on bank selection
Which banks finance tax non-residents?
650+ banks compared — how many are actually approached for non-residents?
Are insurers an alternative to a classic bank?
Do I automatically pay higher interest as a tax non-resident?
Banks by country of residence
Some lenders do not accept foreign-currency income — others do. Which constellation applies to your country co-decides which banks are in reach.
| Country of residence | Income currency |
|---|---|
| Switzerland | CHF |
| Austria | Euro |
| Netherlands | Euro |
| United Kingdom | GBP |
| USA | USD |
| UAE & Dubai | AED |
| Sweden / Denmark | SEK / DKK |
| Norway | NOK |
Scandinavia
Income in SEK, DKK or NOK: a smaller pool of banks, workable.
Banks for residence Scandinavia →By country of residence and topic
All countries of residence
Switzerland, EU, USA, UK, Asia and more — each with its own bank selection.
All countries of residence →Tax non-residents — all topics
Loan-to-value, documents, cross-border commuters.
Tax non-residents — all topics →Current mortgage rates
Rate bands and market situation — independent of residence.
Current mortgage rates →Run the numbers and check funding
Calculate your budget
How much property is realistically financeable with your equity and income?
Calculate your budget →KfW funding
Usually excluded for a pure investment property from abroad — returning for owner-occupation often opens up regular KfW programmes.
KfW funding →State funding by federal state
Almost every federal state has its own development bank, often combinable with KfW.
State funding by federal state →Discuss your case
Non-binding initial consultation free of charge — the bank pays our fee.