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, even though specialised lenders among the 500+ banks compared finance them without issue. 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.
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The purchase price your equity and monthly payment can support.
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Transfer tax, notary, land registry — what's added on top of the purchase price.
Open calculator → ChecklistDocuments for non-residents
Which proofs are additionally required depending on country of residence.
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.