Real Estate Financing for Expats
A dream of owning your
own home in Germany?
We make it happen!
For 25 years, we have been helping expats realize their dream of
homeownership. We are the only ones with our own in-house
banking solution. When others say no, we are far from finished.
Free for you. Banks pay us
Financing approval in 5-10 business days
Personal consultation in English
55 years of experience, 620,000+ satisfied clients, €1.5 billion
financing volume in 2025. We are the experts for expats
8,000+
satisfied clients
25+
years of experience
700+
Banking partners
Why 8,000+ clients already trust us
25 years of specialization
We aren't just any broker. For 25 years, we have focused exclusively on expats. We know every challenge – lack of Schufa, language barriers, complex processes – and have proven solutions.
5-10 business days to approval
The real estate market doesn't wait. With our optimized process, you receive a preliminary approval in 24-48 hours and full approval in 5-10 business days. Significantly faster than other banks and service providers.
In-house banking solution
When all other banks say no, we still have an option: the MLP Bank. As part of Germany's leading financial consulting firm, we have access to exclusive solutions that others cannot offer.
Our service for you
We compare over 400 banking partners
Most service providers work with one or two banking platforms. We compare over 700 banking partners and thousands of financing options. Our advisors maintain direct personal contacts with regional banks. This means you are guaranteed the best rates on the market.
Personalized advice in English
No chatbots, no automated processes. You will speak with real people who understand your situation. All of our advisors are fluent in English and have years of experience working with expats from all over the world.
Free market analysis with PriceHubble
We provide a free analysis of the market value of your dream property. This way, you know exactly if the price is fair before you commit. This analysis usually costs 500-1000 euros – we provide it free of charge for you.
Regulated and trustworthy
We are part of MLP, Germany's leading independent financial consulting firm, and are subject to strict regulation by BaFin. This means we are liable for our advice and cannot offer unreliable products. Your security is our priority.
Subsidy programs. We
get you what you're entitled to!
As an expat in Germany, you know that the path to owning property is complex. What many don't know is that the government supports you with billions in subsidies. In 2026, these programs are more attractive than ever: low-interest KfW loans for families, up to 70% funding for energy-efficient renovations, and a construction budget of 7.6 billion euros.
We know all the programs, check for free which ones you qualify for, and apply for them with you. This way, you save thousands of euros that others simply leave on the table.
5/5 stars
Verified review
Exceptional quality of service
"I cannot praise the exceptional quality of Steven's service at MLP enough. Throughout my entire mortgage application process, Steven demonstrated extraordinary attention to detail and outstanding support. His expertise and dedication were evident in every interaction, and he went above and beyond to assist me at every step. I recommend Steven wholeheartedly and without reservation for his professionalism and commitment to his clients. Thank you, Steven!"
~ Jakub Wisniewski
Excellent service
Professional
Our mortgage financing is incomparable
What sets us apart from other providers
in expats
banking solution
market analysis
consultation
Wherever you are, we are too.
Always nearby
Your-German-Mortgage is not some shady online provider. We understand that personal advice is important, which is why you can visit us in your city at any time for face-to-face consultations. Completely personal and transparent.
5/5 stars
Verified review
We had already given up hope
“It was absolutely fantastic how Peter and later Steve handled our mortgage process. They were incredibly helpful, kept us informed about all the necessary details, and always answered our questions promptly and professionally. No other mortgage broker was able to offer us financing (as US citizens). I am so glad we got their contact details. I highly recommend working with your-german-mortgage. Thanks again, Peter & Steve!"
~ Maren Schwarzer
Fast processing
Professional
Your path to homeownership in 3 steps
Free consultation
Book a free initial consultation via video call, phone, or directly at our branch. We will understand your situation, answer all your questions, and explain exactly what financing options are available to you. No hidden costs, no obligations—just honest, transparent advice.
Bank comparison & commitment
We compare over 400 banking partners to find the best terms for you. You submit your documents, and we take care of the rest—communication with the banks, documentation, everything. You will receive your full financing commitment within 5-10 business days.
Purchase agreement & move-in
With your financing commitment in hand, you can sign the purchase agreement. We will support you right up to the notary appointment and the loan disbursement. Then the moment arrives: you move into your new home and celebrate your success!
We are THE experts in our field
Your German Mortgage has been your expert in real estate financing for over 25 years. We focus exclusively on one thing: helping expats like you realize your dream of homeownership. We understand your challenges—no German credit history, complex processes, language barriers—because we solve them for our clients every single day.
As part of MLP, Germany's leading independent financial consulting firm, we have access to over 400 banking partners and exclusive financing solutions. We are not tied to any one bank. We work for you. And only for you.
Still hesitating?
The real estate market doesn't wait. While you're still thinking about it, other expats are buying their dream homes.
5x faster
While traditional banks take 2-3 weeks, we provide you with approval in 5-10 business days. That is the difference between a dream and reality.
100% free
Our service won't cost you a cent. We are paid by the banks, not by you. You have nothing to lose and everything to gain.
25 years of expertise
We aren't the new kids on the block. With 8,000+ satisfied customers and a 5.0-star rating, we are THE proven choice for expats.
Do you have questions?
We have the answer
Can I get financing without a German Schufa history?
Yes, absolutely. That is our specialty. We have 25 years of experience with expats who have no German Schufa history. We work with banks that accept alternative proof—bank statements, pay slips, and employer confirmations. And if that isn't enough, we have our own banking solution (MLP Bank) that finances expats in your situation.
How long does the entire process take?
Preliminary approval: 24-48 hours. Full approval: 5-10 business days. This is significantly faster than traditional banks (2-3 weeks) or other online brokers. The reason: We have an optimized process and work directly with the banks.
Is the service really free?
That's right. We earn our commission from the banks, not from you. This means we have no interest in selling you a bad financing deal.
What documents do I need?
Typically: passport/ID card, residence permit (e.g., EU Blue Card), salary statements for the last 3 months, bank statements, employment contract, and possibly a Schufa report. The exact list depends on the bank. We will help you compile everything and explain exactly what you need.
Can I get financing with a temporary residence permit?
Yes, that is possible. Many of our banking partners finance expats with temporary residence permits, provided you have a stable job and a good income. Ideally, you should have an EU Blue Card, but we can also find solutions with other residence permits.
What makes you different from other brokers?
We specialize in expats—that has been our sole focus for 25 years. We have our own banking solution (MLP Bank) as a fallback, offer free market analyses with PriceHubble, and are significantly faster (5-10 days). Furthermore, we are part of MLP, Germany's leading independent financial consulting firm—which gives us access to resources that others do not have.
What sets you apart from other online brokers like Hypofriend?
That is a great question. While other online brokers are fast and digital, we offer three decisive advantages:
- Regulation & Liability: We are part of MLP and are subject to BaFin regulation. Other online brokers often lack this regulation, which means less security for you.
- In-house banking solution: When all other banks say no, we still have an option: the MLP Bank. This is a major advantage that others don't have.
- Long-term support: We support you not only during the financing process but also beyond—with insurance, retirement planning, and all other financial matters. We are your partner, not just a transactional broker.
