Expats in Germany

You live and work in Germany — and want to buy.

With a residence permit or EU Blue Card, a German mortgage is possible — residence and income in Germany count, and KfW funding applies. The decisive point is which bank accepts your residence status. Pick your situation.

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By your situation

With residence in Germany you are not a non-resident — you usually have full access to bank loans and KfW. The crux is the residence permit: some banks require permanent settlement, others also finance fixed-term permits. We know the difference and broker under §34i GewO.

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Mortgage with a residence permit

Fixed-term or permanent — which banks accept which permit.

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EU Blue Card

Property financing with a Blue Card — own home or buy-to-let.

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Buy-to-let for expats

A let flat as an investment with residence in Germany — the choice of banks.

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Frequently asked questions

Can I finance with a fixed-term residence permit?

Often yes. Some banks require a permanent permit, others also finance fixed-term ones — depending on remaining term, income and credit standing. We find the bank that accepts your status.

Am I entitled to KfW funding?

With residence in Germany, usually yes. KfW is tied to residence and project, not nationality. We integrate the funding into the financing.

What does the advice cost me?

Nothing. Advice and brokerage are free; we are paid by the financing bank. Brokerage under §34i GewO.

Let’s talk about your financing

Message me on WhatsApp or book a 30-minute call. The first check is free of charge.