Three constellations, one bank network: expats living in Germany (Blue Card and similar), Germans living abroad, and cross-border workers DE/CH/AT. I know the banks that finance these cases — not every bank does.
Yes — the question is not whether, but through which lender. Three constellations have to be told apart, and they lead to entirely different sets of banks. First, expats resident in Germany, for example on an EU Blue Card: here the residence permit and its remaining term largely decide the field. Second, Germans living abroad who buy in Germany — here non-resident tax status is decisive, and only part of the market finances these cases at all. Third, cross-border commuters, where income and property sit in different countries. In all three, a single bank's refusal is not a verdict of the market but a statement about that bank's own business model. What matters is putting the case to the right institution — and having the documents complete beforehand, since papers from abroad often need translations and extra evidence, which costs the lead time you lack in a bidding process.
You live and work in Germany — on an EU Blue Card, a settlement permit or a fixed-term permit. Own home or buy-to-let. KfW subsidies apply.
Learn more → Germans abroadYou are a German citizen living in Switzerland, Austria, the USA, the UK or Asia — and you want to buy property in Germany. As an investment or for a later return. I know the banks.
Learn more → Cross-border workersYou live in Germany and work in Switzerland, Austria, Luxembourg or the Netherlands. Income is often in a foreign currency. I know the banks that accept this constellation.
Learn more →International financings are a field of their own — most banks turn down residence abroad or foreign-currency income. I have worked as an independent broker in exactly this area since 2016.
I know which banks are active with a Blue Card, Swiss residence or income in USD — and which reject across the board.
Written documents are prepared in a bank-compliant form. For Russian-speaking clients, all explanations are available in Russian.
Listed-building depreciation, QNG new builds, KfW combinations — also for expats and non-residents (where permitted).
Reviewed and regulated by the IHK Mittlerer Niederrhein. Free advice — the commission is paid by the bank.
Video call, phone, in person. Based in Krefeld, with clients across Germany and abroad.
Including specialist banks for non-residents, Blue Card mortgages and cross-border constellations.
Highly qualified newcomers, LTI/LTV rules, range of banks.
View page → Expats DEGerman investment property + listed-building depreciation + KfW.
View page → Expats DEFixed-term vs. permanent, banks by status.
View page → Germans abroadThe largest sub-market, CHF income, pension fund.
View page → Germans abroadThird countries, USD/GBP/SGD, US-law topic.
View page → Germans abroadNL, AT, IT, ES, FR — residence in the EU, property in DE.
View page → Cross-border workersCH/AT/LU/NL — foreign currency, range of banks.
View page →★★★★★“Its simply amazing and very friendly. we never had a very formal conversation right from the beginning of our business. Its really a great service for expats like me where there are lot of complications with the legal bindings in buying a property in Germany. I would recommend his services 5/5 for anyone who has a similar background like me — i assure you will be happy to take up your property if you associate your business with Herr Perini.”
Two typical constellations from practice — EU Blue Card and settlement permit. Terms are current and depend on creditworthiness.
Model calculation, without guarantee. Terms depend on creditworthiness.
A settlement permit enables standard financing with a wider circle of banks.
Model calculations without guarantee. Not binding offers. Terms vary by creditworthiness, property and bank. Not tax or legal advice.
Residence permit, foreign-currency income, non-resident taxation, CRR III — what international buyers should prepare for financing in Germany. As of 2026, sent directly by e-mail.
Free, non-binding initial consultation — the commission is paid by the bank. I check 500+ banks plus all state development programmes for your situation.
Advice free · commission paid by the bank · §34i GewO · not tax advice
Relevant for expats too — listed-building depreciation combination possible.
View page → ProgrammeKfW 297/298, EH40 standard, up to 25 % repayment grant.
View page → KfWDetail page with conditions and application path.
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