Banks for tax non-residents living in Scandinavia
Sweden, Denmark and Norway are three legally different starting points, not one uniform case — that decides which bank applies at all.
In short
Which banks finance a mortgage in Germany from Scandinavia?
Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience. Sweden, Denmark and Norway are three legally different starting points, not one uniform case.
In which currency is my income assessed?
Income is typically paid in DKK, SEK or NOK. Some lenders do not accept foreign-currency income — others do.
What matters for residence in Scandinavia
Some lenders do not accept foreign-currency income — others do. Income is typically paid in DKK, SEK or NOK — details on the full constellation (loan-to-value, documents, currency discount) are on Residence Scandinavia — all topics.
Frequently asked questions
Which banks finance tax non-residents living in Scandinavia?
What currency is my income paid in?
By country and topic
All banks for tax non-residents
Partner network, institution types, reach vs. brokerage.
All banks for tax non-residents →Residence Scandinavia — all topics
Loan-to-value, documents, conditions for Scandinavia.
Residence Scandinavia — all topics →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.