Can I get a mortgage in Germany during probation or with a fixed-term contract?

Short answer: Yes. Getting a mortgage in Germany during probation (Probezeit) or with a fixed-term employment contract (befristeter Arbeitsvertrag) can be possible. However, fewer banks may accept the application, and lenders usually look more closely at your income stability, employment history, equity and overall financial profile.

For a German mortgage (Baufinanzierung), banks generally prefer stable and predictable income. An unlimited employment contract (unbefristeter Arbeitsvertrag) usually makes financing easier, but probation or temporary employment does not automatically lead to rejection.

During probation: Banks may consider how long you have been with your employer, how much of the probation period remains and whether you changed only employers or your entire profession. A stable previous employment history and a move within the same industry can support the application.

With a fixed-term contract: The remaining duration of the contract is important. Lenders may also consider your profession, previous contract extensions, expected renewal, household income and whether a second borrower has permanent employment.

Other factors also matter. Strong equity (Eigenkapital), a clean SCHUFA record, manageable existing debts and a stable residence status can improve your chances. For more ways to strengthen your profile, see our guide to improving mortgage approval chances as an expat.

If you want to check whether your current situation may be suitable for financing, use our Mortgage Eligibility Calculator. You can also review the documents German banks usually require from expats.

Key takeaways:

• Probation (Probezeit) does not automatically prevent mortgage approval.
• A fixed-term contract (befristeter Arbeitsvertrag) may limit the number of suitable lenders.
• Stable income, employment history, equity and SCHUFA all influence the decision.
• Different German banks apply different lending criteria.

Not sure whether your employment situation is financeable? Contact Finance for Expats to review your options before submitting a mortgage application.