Financing traffic light — how realistic is your mortgage?
5 questions on residence, equity, income, credit record and intended use. At the end: a rough read — green, amber or red — and the one lever that helps most if you land on amber or red.
How realistic is my financing with a cross-border profile?
Five factors decide the pool of banks available: residence/tax status, equity ratio, type of income, credit record and any existing liabilities, and the intended use of the property. For purely domestic cases, the house bank is often enough. With a cross-border profile, residence permit and tax status decide the pool. Many standard banks decline these cases outright, while specialised lenders among the 500+ banks compared finance them without issue. The check therefore asks first for permit type, tax residence and the currency your income is paid in. The financing traffic light below places your situation in about a minute — green, amber or red — with a short read on which lever matters most if you land on amber or red. This does not replace a bank review and is not a financing commitment.
Your situation in 5 questions
Each answer counts points. At the end: a rough traffic light — not a bank review, not a financing commitment.
A rough self-assessment, not a bank review and not a financing commitment. Actual feasibility depends on the bank's full review — including the property, creditworthiness in detail, and current terms.
Keep this result — and the right documents
A calculator gives you a number. A financing decision needs the right paperwork ready before you talk to a bank. We'll send you the checklist that matches your situation — free, no sales call attached.
Need the blank forms right now? Get them via a quick form: self-disclosure form (DE/EN) · net-worth statement (DE/EN).
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Learn more →Five questions, one rough compass
The traffic light doesn't replace a bank review — it shows which of the five levers is most likely holding things back. At amber or red, it's rarely the whole constellation that's the problem, but usually one single factor: often residence or tax status, because many domestic banks decline cross-border cases outright without reviewing the individual case. These are exactly the cases we compare against specialised lenders.
Green means: the constellation fits the pattern most standard banks accept. Amber means: financeable, but with a narrower, targeted pool of banks. Red means: difficult with standard banks, but not automatically impossible — usually it needs a specialised structure or additional security.