Your German mortgage — from the first check to the payout.
Every financing has its own question: follow-up, full financing, an older property, a weak energy rating or residence abroad. Here you find the right detail page for each case. Brokered independently under §34i GewO, free of charge for you.
Choose your topic
We compare more than 500 banks and pick the one that fits your case. Advice costs you nothing; we are paid by the financing bank. Brokerage of consumer mortgage loans under §34i GewO by Olga Nikushkina.
100% financing
Buy-to-let without equity in the purchase price — you only cover the costs. Subject to good credit standing.
Learn more → 🔁Follow-up & restructuring
Fixed period ending? We compare the follow-up rate across 500+ banks — including forward loans up to 66 months ahead.
Learn more → ✅Check bankability
Before you buy: what banks want to see in the property — a compact checklist.
Learn more → 🏠Existing property
Older build, year of construction, energy condition — how it affects loan-to-value and rate.
Learn more → 🏛️Listed buildings
§7i depreciation, KfW combination and the bank structure that separates purchase and refurbishment.
Learn more → ⚡Energy class G/H
Financing despite a weak energy rating — which banks still take the property.
Learn more → 💱Foreign-currency income
Paid in CHF, USD or GBP? The banks that count foreign-currency income for a German mortgage.
Learn more → 🧭Holistic advice
More than a rate: repayment, subsidies, special repayments and fixed period working together.
Learn more → 📉Price is not lending value
Why the bank values less than you pay — property value and CRR III explained.
Learn more → 🌿QNG new build
KfW 297/298 up to €150,000 plus an annuity loan — the order of application matters.
Learn more → 🌍Follow-up for non-residents
Existing German mortgage, residence abroad — restructuring with a different set of banks.
Learn more → 🏦Buy-to-let for non-residents
Residence abroad, purchase in Germany — typical loan-to-value of 60–70%.
Learn more → 📄Conversion right §503 BGB
What the conversion right means for non-resident financing — and what to watch for.
Learn more →Frequently asked questions
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Let’s talk about your financing
Message me on WhatsApp or book a 30-minute call. The first check is free of charge.