Living in the Netherlands: German banks that finance property in Germany for Dutch residents
Euro income makes this constellation accessible for the pool of banks, though unlike Austria, documents and communication are not automatically in German. Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience.
Which banks finance tax non-residents living in the Netherlands?
Tax non-residents living in the Netherlands generally have a circle of 6 to 10 of the 650+ banks in reach. Euro income makes this one of the more accessible constellations. Which of these banks apply depends on one point: unlike with Austria, documents and correspondence do not automatically run in German.
Is the referral for residents of the Netherlands independent and free of charge?
The referral service is independent and free of charge; the commission is usually paid by the bank.
We act as independent intermediaries (Olga Nikushkina, § 34i GewO) and deal with your case on a case-by-case basis — free of charge; the commission is usually paid by the bank; the key is finding the right bank, not simply the highest number. Which banks provide financing for non-residents?.
Why is the pool of German banks accessible if you are living in the Netherlands?
Euro income makes this situation readily accessible to the pool of banks — unlike with Austria, however, documents and communication do not automatically run in German.
This page is also available in Dutch.
Mortgage in Germany from the Netherlands: how wide is the circle of banks with international experience?
Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience, and euro income makes it accessible for the pool of banks.
Which banks finance a mortgage in Germany from the Netherlands? Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience. Euro income makes it accessible for the pool of banks. Which German banks finance non-residents?.
Euro income: why is there no foreign-currency discount?
Income is typically paid in euro, so no foreign-currency discount comes into play.
Where are the details on loan-to-value, documents and currency discount?
Details on the full constellation (loan-to-value, documents, currency discount) are on EU residence — all topics.
What role do residence, employer and a planned return play for the banks?
In addition, the banks check the stability of the applicant’s residence, their employer and any intention to return.
When it comes to residence, what matters is how long you have been living in the Netherlands and whether your stay is temporary. As regards your employer, what matters is whether it is a Dutch company or a German secondment. If you plan to return to the property for your own use, the range of banks available to you will be wider.
What counts in addition to the choice of bank?
Stability of residence, the employer (a Dutch company or a German secondment) and any intention to return — if you plan to return and live in the property yourself, the pool of banks grows and regular KfW programmes can become accessible. The notary appointment usually takes place in person in Germany; a certified power of attorney is possible by arrangement.
Residence in the Netherlands: what matters when choosing a bank? With residence in the Netherlands, euro income makes the case one of the more accessible situations for tax non-residents.
Frequently asked questions
What currency is my income paid in?
Typically euro. Banks convert foreign-currency income into euros with a safety discount — details on the full constellation (loan-to-value, documents, currency discount) are on EU residence — all topics.
Residing in the Netherlands: Do I need to travel to Germany for the appointment with the notary to sign the purchase agreement?
The appointment with the notary for the purchase agreement is usually scheduled to take place in person in Germany. A certified power of attorney is also possible, subject to agreement with the notary and the bank, particularly if travelling from abroad is difficult.
Do documents and correspondence with German banks run in German if I live in the Netherlands?
Not automatically. Unlike with Austria, documents and correspondence do not automatically run in German, and which of the banks apply depends on this point.
Discuss your case
Non-binding initial consultation free of charge — as a rule the bank pays our fee.
Related pages
Residence in the Netherlands — all topics
Mortgage, documentation, terms and conditions for the Netherlands.
Calculate your budget
How much property is realistically financeable with your equity and income?
KfW funding
Usually excluded for a pure investment property from abroad — returning for owner-occupation often opens up regular KfW programmes.
State funding by federal state
Almost every federal state has its own development bank, often combinable with KfW.
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.
