Your German Mortgage

Your German Mortgage is an English-language mortgage advisory service helping international buyers and expats secure property financing in Germany. The service is built specifically for the international community — recognising that standard German mortgage processes assume a level of local knowledge, German language proficiency, and familiarity with the German banking system that most expats do not have.

The advisory team works with clients entirely in English, explaining every step of the German mortgage process from initial enquiry through to mortgage completion. This includes educating clients on the German mortgage market’s specific conventions: the typical 20–30% down payment requirement (plus 7–12% in purchasing costs), the prevalence of long fixed-rate periods, and the role of the Notar (notary) in the purchase transaction.

Your German Mortgage has relationships with a network of German lenders and can identify those most likely to approve applications from non-German residents, non-EU nationals, freelancers, and other borrower profiles that some banks are reluctant to consider. This targeted approach to lender selection saves significant time and avoids unnecessary credit enquiries.

For English-speaking expats determined to purchase property in Germany, having a dedicated English-language mortgage adviser removes one of the most significant barriers — the language and knowledge gap — making the process navigable and ultimately achievable.