Living in the UK: which German banks finance a property in Germany?
Since Brexit the situation has noticeably improved: GBP income is possible with specialist banks. Some lenders do not accept foreign-currency income, others credit it with a safety discount of 10 to 50 %.
Which banks finance tax non-residents living in the UK?
For tax non-residents living in the UK, GBP income is possible with specialist banks. Some lenders do not accept foreign-currency income; those that do credit it with a safety discount of 10 to 50 % on the amount converted into euros. British tax records (P60, SA302) and payslips are accepted as proof but must be prepared for the German lender.
Living in the UK: can you finance a German property with GBP income?
If you live in the UK, specialist German banks that accept GBP income finance the purchase.
Which banks finance a mortgage in Germany from the United Kingdom?
Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience, and GBP income is possible at specialist banks.
Which banks finance a mortgage in Germany from the United Kingdom? Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience. Since Brexit the situation has noticeably improved, with GBP income possible at specialist banks. Which German banks finance non-residents?.
Do German lenders accept GBP income?
Income is typically paid in GBP.
Some lenders do not accept foreign-currency income — others do. Foreign-currency income and the banks that accept it.
What matters if you live in the UK?
Income is typically paid in GBP — details on the full constellation (loan-to-value, documents, currency discount) are on UK, USA & Asia — all topics.
Frequently asked questions
Which banks finance tax non-residents living in the United Kingdom?
Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience. Since Brexit the situation has noticeably improved: GBP income is possible with specialist banks.
What currency is my income paid in?
Typically GBP. Banks convert foreign-currency income into euros with a safety discount — details on the full constellation (loan-to-value, documents, currency discount) are on UK, USA & Asia — all topics.
Which British documents do German lenders accept as proof of GBP income?
British tax records (P60, SA302) and payslips are accepted as proof but must be prepared for the German lender.
Discuss your case
Non-binding initial consultation free of charge — as a rule the bank pays our fee.
Related pages
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.