Mortgages for non-residents

Financing as an expat: clarify early, then view.

You may buy in Germany without living here. The bank is the harder part. If you have your documents ready before the first viewing, you do not lose weeks.

In brief

Mortgages for non-residents and expats

Foreigners may buy property in Germany, even without residence here. Financing is the bottleneck: banks often ask non-residents and holders of fixed-term residence permits for more equity and more proof than they ask of locals. Payslips, tax assessments and bank statements often have to be translated. A German bank account and a mailing address in Germany help. The bank sets the terms. We put you in touch with a financing broker before you view anything.

Preparation

Four things to clarify before your first viewing.

Work out your equity

On top of the purchase price come buying costs of around eleven to twelve per cent, which banks generally do not lend. The breakdown is under Buying costs in Berlin.

Collect your documents

Payslips, tax assessments, bank statements, residence permit. From abroad, often with a certified translation. Ask the bank in advance what it requires.

Account and address

Many banks want a euro account with an IBAN and a mailing address in Germany. You can set up both before the purchase.

Keep to the order

First clarify the financing, then view, then make your offer. If you bid without the bank's approval, you risk not being able to complete the purchase.

How we help

Contact with the bank before you search

We tell you which documents your situation needs and put you in touch with a financing broker. The terms a bank sets depend on your residence permit, your income and your equity. This page is not financing advice. How buying from abroad works is explained under Buying from abroad.

Frequently asked questions

Mortgages for non-residents: frequently asked questions.

Answers as of: 17 October 2026

Can I get a mortgage as an expat?

Usually yes, but with more equity and more proof than locals. Each bank sets its own terms.

Do I need a German bank account?

Many banks require a euro account with an IBAN and a mailing address in Germany. Ask in advance what your bank requires.

Do my documents have to be translated?

Often yes. Agree with the bank how to handle payslips, tax assessments and bank statements from abroad before you have them translated.

When should I talk to the bank?

Before you view anything. If you know in advance how much you can borrow, you bid with purpose and do not lose weeks.

Talk to Phil Radtke.

A conversation in German or English before you book a single viewing.

Arrange a meeting