Mortgage broker with access to 650+ banks: which bank fits your case?
Over 650 banks compared for your German mortgage. There is no single best provider in Germany, only the bank that fits your case, and finding it is the work. Comparison and application are free for you.
Why use a broker to compare banks instead of asking my own bank?
Because every lender applies its own grid, and a broker can compare those grids across many banks. A rejection rarely means the project cannot be financed; it means the case did not fit that single grid. Through platform connections such as Prohyp, Baufinex, Forum, ABACUS and Hyposmart, we reach more than 650 banks with one enquiry.
What kind of bank does a mortgage broker find for you?
A mortgage broker finds the bank that accepts your case, not simply the one with the lowest rate. Banks differ mainly in what they accept, not in what they charge.
650+ Banks compared; §34i Licensed adviser; 2016 Experience since; 89 Published case reports.
A mortgage broker finds the bank that accepts your case, not simply the one with the lowest rate.
Which bank is the best for a German mortgage? There is no best bank — there is the one that fits your case. Banks differ mainly in what they accept, not in what they charge: residence permit, where you are tax-resident, the currency you are paid in, credit history and source of funds. A rejection means your project did not fit that one bank's grid.
Mortgage broker: why does selection beat negotiation? Serious credit enquiries leave a trace, and a run of rejections makes the next application harder. We first establish which lenders will consider your constellation at all, then approach them — the rate is the result of that process, not its starting point. The process step by step.
Who arranges this? Perini Finance & Property — licensed under § 34i GewO, 650+ banks compared, we know the banks whose lending rules cover your constellation — reached through the Prohyp, Baufinex, Forum, ABACUS and Hyposmart platforms with one enquiry. As a rule the financing bank pays our commission; brokerage under § 34i GewO by Olga Nikushkina. What our advice costs.
Frequently requested banks
Our bank access reliably covers these eight institutions. Each page shows what the bank stands for and whom it suits — and when another carries you better.
Independent, not bank-tied. The names above are examples from over 650 reachable banks — no statement about a partnership with or recommendation of the named institutions. Which bank finances in the end is decided by your case, not by the brand.
Banks differ in what they accept — not mainly in what they charge
Rate comparison sites suggest the German mortgage market is a price ranking. For a salaried German buyer with a permanent contract and 20 % equity, that is roughly true. For everyone this practice works with, it is not. The decisive variable is not price but acceptance:
Residence permit. Some banks require permanent residence (Niederlassungserlaubnis). Others lend on an EU Blue Card. A few will look at a fixed-term permit if the employment contract runs long enough. There is no common standard.
Where you are tax-resident. Living outside Germany changes the applicable consumer-protection law and the bank's enforcement position. Most lenders simply decline rather than work it out. The currency you are paid in. Some lenders do not accept foreign-currency income — others do.
A bank that does not want that exposure says no — regardless of how strong your income is.
Credit history. Arriving in Germany with an excellent credit record abroad and no Schufa history at all is treated by some banks as a blank sheet and by others as a red flag.
Source of funds. Equity transferred from outside the EU requires documentation under German anti-money-laundering rules. Incomplete evidence stalls files that were otherwise approved.
There is no best bank. There is the one that fits.
Applying to several banks in sequence and being declined each time is not a neutral exercise. Serious credit enquiries leave a trace, and a run of rejections makes the next application harder — not easier. The outcome is therefore decided before the first application, in the selection.
We work the other way round: first establish which lenders will consider your specific constellation at all, then approach them. The rate is the result of that process, not its starting point.
Access runs through the Prohyp, Baufinex, Forum, ABACUS and Hyposmart platforms. As a rule the financing bank pays our commission; the advice costs you nothing. Brokerage under § 34i GewO by Olga Nikushkina.
Why are only eight banks profiled here?
These are the names people search for — not a ranking and not a recommendation. Each profile answers the same question from a different angle: what is this bank built for, and when does another one carry your case better? We also say where a bank reaches its limits. Not to disparage it, but because a rejection after four weeks costs you more than an honest assessment beforehand.
The several hundred other lenders do not appear here. Among them are precisely the specialists that decide the cases not every lender takes — lenders with no retail brand and no one searching for their name.
ING mortgage: for whom the bank fits and when another carries you better: ING is a large direct bank with online processing and fits borrowers with a straightforward file. Borrowers abroad or with unusual income are often better served by another lender. Status 2026, source: general professional information; to be checked with the lender in each case.
Frequently asked questions
What kind of bank does a mortgage broker find for you?
A mortgage broker finds the bank that accepts your case, not simply the one with the lowest rate.
Which bank is the best for a German mortgage?
There is no best bank — there is the one that fits your case. Banks differ mainly in what they accept, not in what they charge: residence permit, where you are tax-resident, the currency you are paid in, credit history and source of funds. A rejection means your project did not fit that one bank's grid.
Mortgage broker: why does selection beat negotiation?
Serious credit enquiries leave a trace, and a run of rejections makes the next application harder. We first establish which lenders will consider your constellation at all, then approach them — the rate is the result of that process, not its starting point.
Request your initial analysis — free of charge
Briefly describe your project. We check which of over 650 banks fits your situation — without obligation and free of charge.
Related pages
Which banks finance tax non-residents?
Only a small circle of the 650+ banks finances residence abroad — which ones, and why most of the example banks above don’t fit here.
Editorially responsible: Olga Nikushkina — owner, §34i GewO (German mortgage brokerage), adviser register D-W-132-ZUCB-95. Specialised in German property financing with an international dimension: non-residents, foreign-currency income, cross-border workers, expats. Siegfried Perini is entered in the German intermediary register under this licence as a person directly involved in brokerage and advice (§ 11a GewO), active in real estate since 1992. Not legal or tax advice.