Every question we answer
Each answer already lives on its own page, checked and sourced. This list gathers them in one place. Nothing here is new writing — every line links to where the full answer stands. Independent mortgage advice means comparing across 650+ banks, not presenting one house offer as the market.
All questions with their answer pages
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At what follow-up rate does the longer fixed-rate period pay off?
Answer in section: Rechner
Can a foreigner buy a house in Germany, and how does financing work?
Answer in section: Buying a house in germany
Can a junior doctor already obtain financing?
Answer in section: Ärzte
Can I buy a property in Germany without travelling there?
Answer in section: Finanzierung
Can I charge a mortgage-free property in one country and buy in another euro country?
Answer in section: Finanzierung
Can I finance a German property while living abroad?
Answer in section: Checklisten
Can I finance a property in Germany as a German living abroad?
Answer in section: Auslandsdeutsche
Can I finance a property in Germany while living in China?
Answer in section: Auslandsdeutsche
Can I finance a property in Germany while living in Russia?
Answer in section: Auslandsdeutsche
Can I get a German mortgage as a cross-border commuter?
Answer in section: Grenzgänger
Can I get a German mortgage as an expat or a German living abroad?
Answer in section: Expats international
Can I get a German mortgage if I live abroad?
Answer in section: FAQ
Can I get a German mortgage while living in Australia or New Zealand?
Answer in section: Auslandsdeutsche
Can I get a German mortgage with income in a foreign currency (CHF, USD, GBP, SGD)?
Answer in section: Finanzierung
Can I get a German mortgage without a SCHUFA record?
Answer in section: Finanzierung
Can I get a mortgage in Germany as an expat with a residence permit?
Answer in section: Expats
Can I get a mortgage in Germany if my income or residence is abroad?
Answer in section: Finanzierung
Can I get mortgage financing as a female doctor working part-time or on parental leave?
Answer in section: Ärzte
Can I invest in a German buy-to-let property as a non-resident?
Answer in section: Finanzierung
Can I release capital from my property without a real-estate purpose?
Answer in section: Finanzierung
Can I release equity from my German property to buy in Spain?
Answer in section: Finanzierung
Can non-residents get a mortgage in Germany?
Answer in section: Steuerausländer
Can you get a German mortgage while living in Switzerland?
Answer in section: Auslandsdeutsche
Did Brexit make financing from the UK harder?
Answer in section: Auslandsdeutsche
Do doctors really get better terms — and is full financing realistic?
Answer in section: Ärzte
Do German banks finance non-residents living in Dubai?
Answer in section: Auslandsdeutsche
Do I need a German bank account for my German mortgage instalment?
Answer in section: Finanzierung
How do I finance a German property while living in Sweden, Denmark, Norway or Finland?
Answer in section: Auslandsdeutsche
How do I tell whether a property is financeable?
Answer in section: Finanzierung
How do self-employed applicants finance a property in Germany?
Answer in section: Selbststaendige
How do you calculate the payment, remaining balance and amortization schedule of a mortgage?
Answer in section: Rechner
How do you correctly calculate rental yield on a property?
Answer in section: Rechner
How do you finance German property from the USA or Canada?
Answer in section: Auslandsdeutsche
How do you finance land without a building on it?
Answer in section: Finanzierung
How does a bank assess creditworthiness without German credit history?
Answer in section: Auslandsdeutsche
How does a mortgage broker cooperation work for estate agents?
Answer in section: Partners
How does the KfW 300 loan for families buying or building a home work?
Answer in section: KfW
How high are the purchase costs when buying property in Germany?
Answer in section: Rechner
How long does a German mortgage take?
Answer in section: Process
How much debt is available for commercial property finance in Germany?
Answer in section: Gewerbe
How much do non-residents actually get on a German mortgage?
Answer in section: Auslandsdeutsche
How much equity do I need for the purchase costs — and what if it's not enough?
Answer in section: Rechner
How much is the early repayment penalty for paying off a mortgage ahead of schedule?
Answer in section: Rechner
How much property can I afford with my budget?
Answer in section: Rechner
How much will a bank lend to buy a standing investment property?
Answer in section: Gewerbe
How realistic is my financing with a cross-border profile?
Answer in section: Rechner
Is financing from the Netherlands or Austria easier?
Answer in section: Auslandsdeutsche
Is follow-up financing possible if I live abroad?
Answer in section: Finanzierung
Is the SCHUFA data copy really free?
Answer in section: Schufa selbstauskunft
Is there a checklist of documents needed for a German mortgage application?
Answer in section: Checklisten
What determines mortgage rates in Germany, and do non-residents pay more?
Answer in section: Mortgage rates germany
What do banks check additionally when you live abroad?
Answer in section: Auslandsdeutsche
What do notary and land registry cost when buying a house in Germany?
Answer in section: Finanzierung
What does a lender require… · Property development finance for developers
Answer in section: Gewerbe
What does a lender require for development… · Project Finance Checklist
Answer in section: Gewerbe
What does a mortgage broker cost in Germany — and what can one do that your own bank cannot?
Answer in section: FAQ
What does an unscheduled repayment achieve — and what does it cost?
Answer in section: Finanzierung
What does Perini's mortgage advice cost me?
Answer in section: Our fee
What does taking over a medical practice in Germany cost — and in which order is it financed?
Answer in section: Ärzte
What does the individual-measures check for KfW 308 actually test?
Answer in section: Rechner
What does the KfW 261 energy efficiency refurbishment loan cover?
Answer in section: KfW
What if the money runs out during construction?
Answer in section: Finanzierung
What inheritance-tax allowance applies to a German property when you live abroad?
Answer in section: Finanzierung
What is a modernisation loan and how does it differ from a mortgage?
Answer in section: Rechner
What is an answer path, and how do I use this page?
Answer in section: Answer paths
What is KfW 308 — and what changes on 3 August 2026?
Answer in section: KfW
What is mezzanine capital needed for in a development finance structure?
Answer in section: Gewerbe
What is the assets and liabilities statement, and why does the bank want it?
Answer in section: Vermoegensaufstellung
What is the mortgage lending value — and why is it lower than the purchase price?
Answer in section: Finanzierung
What is the self-disclosure form, and is there a bilingual template?
Answer in section: Selbstauskunft
What matters with follow-up financing and refinancing?
Answer in section: Finanzierung
What must be in place before a German bank finances your practice?
Answer in section: Ärzte
What should I check in a property listing before financing it?
Answer in section: Checkliste immobilienkauf expose
When does bridge finance make sense?
Answer in section: Gewerbe
When should a commercial refinancing be prepared?
Answer in section: Gewerbe
Which banks finance tax non-residents living in Austria?
Answer in section: Banken
Which banks finance tax non-residents living in Scandinavia?
Answer in section: Banken
Which banks finance tax non-residents living in Switzerland?
Answer in section: Banken
Which banks finance tax non-residents living in the Netherlands?
Answer in section: Banken
Which banks finance tax non-residents living in the UAE & Dubai?
Answer in section: Banken
Which banks finance tax non-residents living in the United Kingdom?
Answer in section: Banken
Which banks finance tax non-residents living in the United States?
Answer in section: Banken
Which countries of residence cause a German mortgage to fail?
Answer in section: Auslandsdeutsche
Which documents does a doctor need for a mortgage in Germany?
Answer in section: Ärzte
Which EU residences are simplest for a German mortgage?
Answer in section: Auslandsdeutsche
Which KfW funding exists in 2026 and how much money sits in each programme?
Answer in section: Kfw foerderkompass
Which KfW programme fits my project?
Answer in section: Rechner
Which residence permit opens which banks?
Answer in section: Expats
Which subsidy programme fits my project as an owner-occupier?
Answer in section: Foerder fahrplan eigennutzer
Who pays the broker… · Buying property in Germany while living abroad
Answer in section: Auslandsdeutsche
Who pays the broker — and how can the independence be checked? · Home
Answer in section: Startseite
Why are doctors preferred borrowers with banks — and what does it depend on?
Answer in section: Ärzte
Why compare banks instead of asking my own bank?
Answer in section: Banken
Why do German banks decline doctors living abroad?
Answer in section: Ärzte
Why do German banks decline international doctors?
Answer in section: Ärzte
Why does the bank calculate with a lower figure than the purchase price?
Answer in section: Merkblatt bankwert
Why does the bank calculate with less than the purchase price?
Answer in section: Finanzierung
Why is the pool of banks smaller for tax non-residents than for residents?
Answer in section: Banken
Will a bank lend to an EU Blue Card holder?
Answer in section: Expats
Will a German bank finance a buy-to-let if my residence permit is temporary?
Answer in section: Expats