Your German mortgage — from the first check to the payout.

This hub exists to route you, not to summarise

The pages below look related but answer very different questions. Choosing the wrong starting point costs weeks, because each situation has its own small circle of lenders — and approaching the wrong ones leaves traces.

• You live outside Germany. Start with tax non-residency. Your residence, not your passport, determines which law applies to the contract and which lenders will look at the file at all.
• You are paid in a currency other than the euro. Read the conversion right under § 503 BGB first. It is a statutory right for you and an obligation for the bank — and it is the reason many lenders decline before they have even seen your income. Note the detail almost everyone gets wrong: the right attaches to the currency of the country you live in, not to the currency you are paid in.
• Your fixed-rate period is ending. Go to follow-on financing. If you have moved abroad since taking out the loan, your existing bank may not extend — and that is a problem to solve two years early, not two months.
• You are buying to let from abroad. The property has to carry part of the debt service, and lenders differ sharply in how much of the rent they recognise.
• You are unsure whether the property itself is financeable. German banks lend against the mortgage lending value, not the purchase price. Where the two diverge, the difference becomes equity you have to find.