Keys in Hand: Financing Your German Home with Confidence

Ready to put down roots in Germany? This session is designed for internationally minded professionals—first-time buyers and investors—who want a clear, step-by-step path to financing a home with confidence. We’ll demystify how banks assess eligibility (including typical affordability guidelines), what down payment and equity you’ll likely need, and the ancillary purchase costs you should plan for.

You’ll learn how common mortgage types work—

• fixed-rate annuity loans, 
• full-repayment options, 
• building-society (Bauspar) structures, and 
• more

so you can choose what fits your life.

We’ll walk through the full process from financing confirmation to notary and payout, plus the exact documents lenders expect. We’ll also unpack the key factors that influence interest rates, so you understand why offers differ and how to position yourself for better terms. 

Why join us? Finance for Expats specializes in guiding expats end-to-end, from affordability to bank selection and negotiation—bringing deep experience and an English-first approach to every step. You’ll leave with practical checklists, realistic expectations, and the confidence to move forward on your German home.