Non-resident mortgage for a heart surgeon from Brazil: €500,000 without waiting two years
“Why not buy in two or three years' time?” This was the advice the heart surgeon received from his own bank. As a non-resident mortgage, this case needed the right bank from the start, not the first one approached.
Heart surgeon from Brazil: what was the obstacle, how was it solved and who structured the €500,000 loan?
The obstacle was the first bank's advice to wait two or three years, as it questioned permanent stay, job continuation and income after recognition of the qualifications. We solved it by presenting the whole professional situation: Approbation, recognition notices, start date, income development, equity and assets. Perini Finance & Property, licensed under §34i GewO, structured the €500,000 loan.
The right home
For many families this would have been understandable.
For him, however, it was not.
He had just signed a permanent contract at a university hospital in Germany. Together with his wife and their two children he wanted to move to Germany for good.
Renting was out of the question for the family.
They wanted to arrive.
Not only professionally.
Privately too.
After several weeks they found a detached house in the Heidelberg area.
The location was a perfect fit.
The hospital was twenty minutes away.
Nursery and school were in the immediate vicinity.
The key figures:
Purchase price: 698,000 euros; Equity: 248,000 euros; Financing required: 500,000 euros.
The monthly instalment was easily affordable.
Even so, the first bank recommended living in Germany for a few years first.
Why the first bank hesitated
It was not the income that caused concern.
Nor the property.
The bank was rather asking itself:
Is the family in Germany permanently?
Does the job continue?
How does the income develop once all qualifications are recognised?
Are all approvals already completed?
For international physicians these questions are often part of everyday life.
The economic situation
On close examination almost everything pointed to the financing.
The employment contract was permanent.
The wife was to take up her work a few months later as well.
Sufficient equity was available.
In addition, the family had further liquid reserves.
Even under a cautious calculation, the household budget showed clear surpluses.
The decisive preparation
Together, the entire professional situation was presented.
Not only the employment contract.
But also:
the medical licence (Approbation); recognition notices; the start date; income development; equity; proof of assets; family planning.
This produced a complete overall picture for the first time.
The financing: After the review was completed, the financing commitment followed.
Just a few weeks later the family signed the purchase contract.
Today they live in Germany permanently.
The children now speak fluent German.
For the family, buying the house was far more than a property decision.
It was the final step into a new life.
What international specialists can learn from this
Many highly qualified immigrants assume that a permanent employment contract is automatically enough for a financing.
In practice, however, banks consider the entire life situation.
The more comprehensibly the professional outlook, residence status and asset situation are presented, the more easily a financing can be assessed.
A newly arrived heart surgeon found strong financing prospects: This case shows that international specialists have excellent financing prospects.
What is decisive is not the new employment contract alone.
Much more important is a complete presentation of the entire professional and economic situation.
Anyone who prepares this early creates the best conditions for successfully buying a home in Germany.
Frequently asked questions
Can doctors from Brazil finance a home in Germany?
Yes. Many banks handle such financings.
Is a permanent employment contract enough?
It is an important building block, but does not replace a complete credit assessment.
Does the medical licence already have to be in place?
Depending on the bank and the personal situation, different requirements may apply.
Can families buy immediately after the move?
Yes. Many financings are implemented at the very start of the stay.
Are foreign assets taken into account?
Yes. The requirement is comprehensible documentation.
A similar situation? Let’s talk.
Every case with an overseas link is its own. In a free initial call we will tell you honestly what is feasible and which bank fits.
Anonymised individual case, not a guaranteeable statement for other projects · advice free · commission, as a rule, paid by the bank · §34i GewO · not legal or tax advice · no financing commitment; conditions depend on creditworthiness, lending value and bank
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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.