Question 1

Is your mortgage advisory service really free — what's the catch?

Accepted Answer

Yes, my service is 100% free for you. As an independent broker (§34i GewO), I receive a standard commission directly from the bank that ultimately finances your property. The commission is already baked into the bank's rates across the market, meaning you pay the exact same rate (or often a cheaper one due to my institutional discounts) as going directly to the bank. There are no hidden fees or invoices from my side.

Question 2

Can you beat an offer I've already received from Interhyp or my bank?

Accepted Answer

In most cases, yes. I have access to the same major lending platforms (like Europace) as large corporate brokers, plus direct channels to over 400 regional lenders. If you already have a proposed rate, send it to me. I will run a free, no-obligation comparison to see if I can optimize your rate or terms within 24 hours.

Question 3

What happens if you are unavailable during my application?

Accepted Answer

You are never left hanging. While I provide personalized 1-on-1 advice, I am fully backed by a professional team and robust digital infrastructure. If I am temporarily unavailable (e.g., due to illness or vacation), a fully qualified and briefed substitute broker from my network will seamlessly take over your case to ensure your property purchase deadlines are met without delay.

Question 4

Can expats get a mortgage in Germany?

Accepted Answer

Yes. German financial institutions actively extend mortgages to foreign nationals possessing a valid residence permit (Aufenthaltstitel), stable professional income, and an equity contribution (Eigenkapital) of 10%–20%. EU Blue Card holders and permanent residents (Niederlassungserlaubnis) access domestic prime interest rates.

Question 5

Do I need German citizenship or permanent residency to buy property in Germany?

Accepted Answer

No. Under German real estate law, any individual regardless of citizenship or residency status may freely acquire real estate. While permanent residency expands lender selection across all 750+ banks, temporary permit holders and EU Blue Card holders secure robust financing through tailored broker intermediation.

Question 6

How much down payment (Eigenkapital) do I need in Germany?

Accepted Answer

German banks insist that buyers cover all transaction buying costs (Kaufnebenkosten totaling 10%–15%) using personal liquid funds, as these non-asset costs cannot normally be collateralized. Supplying an additional 10% to 20% equity directly against the property value significantly decreases your loan-to-value ratio (Beleihungswert) and lowers your Effektivzins.

Question 7

What are Kaufnebenkosten and how much do they cost?

Accepted Answer

Kaufnebenkosten are mandatory ancillary property purchase expenses. They include municipal Grunderwerbsteuer (property transfer tax ranging from 3.5% in Bavaria up to 6.5% in Berlin, NRW, and Brandenburg), public notary and land registry court costs (~1.5%–2.0%), and real estate broker commissions (Maklerprovision of 3.57% split equally between buyer and seller).

Question 8

Is your mortgage advisory service really free of charge?

Accepted Answer

Yes. As an independent mortgage credit intermediary licensed under §34i GewO (Registration ID D-W-107-8A4D-60, supervisory authority Ordnungsamt Friedrichshain-Kreuzberg Berlin), our advisory is 100% free of charge for borrowers. We receive standard institutional commission directly from the executing German bank upon loan settlement.