Mortgages in Germany Explained

Our German mortgage guides explain the ins and outs of how home loans work, how to use a mortgage calculator, what to look out for when applying for a German mortgage and how the entire home buying process works.

About Hypofriend

• Who is Hypofriend?
• Is Hypofriend's service free?
• How is Hypofriend different from other mortgage brokers?
• Who has access to my data?
• How is my data secured?
• Can I delete my data?
• How can I refer Hypofriend to a friend?
• Who is behind Pensionfriend?
• Who is Pensionfriends' cooperation partner for the pension plan?
• How are my investments protected and what happens if Pensionfriend or the partner companies involved go bankrupt?
• Does Pensionfriend offer a referral fee?

View all 11 topics

View all 11 topics

• Who is Hypofriend?
• Is Hypofriend's service free?
• How is Hypofriend different from other mortgage brokers?
• Who has access to my data?
• How is my data secured?
• Can I delete my data?
• How can I refer Hypofriend to a friend?
• Who is behind Pensionfriend?
• Who is Pensionfriends' cooperation partner for the pension plan?
• How are my investments protected and what happens if Pensionfriend or the partner companies involved go bankrupt?
• Does Pensionfriend offer a referral fee?

Exploring my options

• Should I buy or continue renting?
• Is now a good time to buy property for own use?
• What are the additional purchasing costs when buying a real estate in Germany?
• How much can I afford or borrow?
• How can I increase what I can borrow?
• Can I get a credit loan to increase my affordability?
• Can I get a mortgage in Germany without equity?
• I'm a freelancer, am I eligible for a mortgage and how much?
• Should I borrow the maximum amount or should I save some equity?
• What’s the difference between buying for own use and buying to let?

View all 10 topics

View all 10 topics

• Should I buy or continue renting?
• Is now a good time to buy property for own use?
• What are the additional purchasing costs when buying a real estate in Germany?
• How much can I afford or borrow?
• How can I increase what I can borrow?
• Can I get a credit loan to increase my affordability?
• Can I get a mortgage in Germany without equity?
• I'm a freelancer, am I eligible for a mortgage and how much?
• Should I borrow the maximum amount or should I save some equity?
• What’s the difference between buying for own use and buying to let?

German mortgage fundamentals

• How can I get pre-qualified?
• How is the monthly rate calculated?
• How quickly should I pay off my mortgage?
• What is Loan-to-value and why does my down payment matter?
• How to choose the right fixed interest period?
• Can I use extra repayments to repay my mortgage quicker?
• Are my mortgage payments tax-deductible?
• What more should I consider before closing my mortgage?
• What should I know if I expect to sell my house within 10 years?
• What is my SCHUFA score?
• How can I improve my SCHUFA score?
• How does my SCHUFA score affect my mortgage?

View all 12 topics

View all 12 topics

• How can I get pre-qualified?
• How is the monthly rate calculated?
• How quickly should I pay off my mortgage?
• What is Loan-to-value and why does my down payment matter?
• How to choose the right fixed interest period?
• Can I use extra repayments to repay my mortgage quicker?
• Are my mortgage payments tax-deductible?
• What more should I consider before closing my mortgage?
• What should I know if I expect to sell my house within 10 years?
• What is my SCHUFA score?
• How can I improve my SCHUFA score?
• How does my SCHUFA score affect my mortgage?

Mortgage rates in Germany

View all 0 topics

View all 0 topics

What is special about Hypofriend's advice?

• Inside Hypofriend's Optimizer
• How will Hypofriend find me the right mortgage product?
• How can Hypofriend cover all mortgage lenders in Germany?

View all 3 topics

View all 3 topics

• Inside Hypofriend's Optimizer
• How will Hypofriend find me the right mortgage product?
• How can Hypofriend cover all mortgage lenders in Germany?

Exploring my options: advanced questions

• How do I know if the property valuation is fair?
• Should I get pre-approved for a mortgage?
• Can I get a mortgage for property outside Germany?
• What happens after my mortgage request gets approved?
• Mortgage Requirements for Tax Foreigners in Germany
• How does the KfW subsidy work with my mortgage?
• Can I include modernisation or renovation costs into the mortgage?

View all 7 topics

View all 7 topics

• How do I know if the property valuation is fair?
• Should I get pre-approved for a mortgage?
• Can I get a mortgage for property outside Germany?
• What happens after my mortgage request gets approved?
• Mortgage Requirements for Tax Foreigners in Germany
• How does the KfW subsidy work with my mortgage?
• Can I include modernisation or renovation costs into the mortgage?

Applying for a mortgage

• Which mortgage documents do I need?
• How quickly can I get approved?
• Can I apply to multiple banks at the same time?
• When do my mortgage payments start?
• What happens if my new build project is delayed?
• Can I apply alone without my partner?

View all 6 topics

View all 6 topics

• Which mortgage documents do I need?
• How quickly can I get approved?
• Can I apply to multiple banks at the same time?
• When do my mortgage payments start?
• What happens if my new build project is delayed?
• Can I apply alone without my partner?

Handy Definitions

View all 32 topics

View all 32 topics

• Annuity Loan
• Anschlussfinanzierung
• Baukindergeld
• Bauträger
• Beleihungsauslauf
• Beleihungswert
• Bereitstellungszinsen
• Sondertilgung
• Forward Darlehen
• Grundbuch
• Grundschuld
• Haushaltsrechnung
• Bausparvertrag
• Kaufnebenkosten
• KfW Darlehen
• Grundsteuer
• Laufzeit
• Restschuld
• Maklergebühr
• Monatsrate
• Immobilienfinanzierung
• Notarkosten
• Notar & Beurkundung
• Grunderwerbsteuer
• SCHUFA
• Selbstauskunft
• Tilgung
• Notwendige Unterlagen
• Volltilgerdarlehen
• Vorfälligkeitsentschädigung
• Zinsbindungsfrist
• Zinszahlungsdarlehen

About Hypofriend

• Who is Hypofriend?
• Is Hypofriend's service free?
• How is Hypofriend different from other mortgage brokers?
• Who has access to my data?
• How is my data secured?
• Can I delete my data?
• How can I refer Hypofriend to a friend?
• Who is behind Pensionfriend?
• Who is Pensionfriends' cooperation partner for the pension plan?
• How are my investments protected and what happens if Pensionfriend or the partner companies involved go bankrupt?
• Does Pensionfriend offer a referral fee?

View all 11 topics

View all 11 topics

• Who is Hypofriend?
• Is Hypofriend's service free?
• How is Hypofriend different from other mortgage brokers?
• Who has access to my data?
• How is my data secured?
• Can I delete my data?
• How can I refer Hypofriend to a friend?
• Who is behind Pensionfriend?
• Who is Pensionfriends' cooperation partner for the pension plan?
• How are my investments protected and what happens if Pensionfriend or the partner companies involved go bankrupt?
• Does Pensionfriend offer a referral fee?

What is special about Hypofriend's advice?

• Inside Hypofriend's Optimizer
• How will Hypofriend find me the right mortgage product?
• How can Hypofriend cover all mortgage lenders in Germany?

View all 3 topics

View all 3 topics

• Inside Hypofriend's Optimizer
• How will Hypofriend find me the right mortgage product?
• How can Hypofriend cover all mortgage lenders in Germany?

Exploring my options

• Should I buy or continue renting?
• Is now a good time to buy property for own use?
• What are the additional purchasing costs when buying a real estate in Germany?
• How much can I afford or borrow?
• How can I increase what I can borrow?
• Can I get a credit loan to increase my affordability?
• Can I get a mortgage in Germany without equity?
• I'm a freelancer, am I eligible for a mortgage and how much?
• Should I borrow the maximum amount or should I save some equity?
• What’s the difference between buying for own use and buying to let?

View all 10 topics

View all 10 topics

• Should I buy or continue renting?
• Is now a good time to buy property for own use?
• What are the additional purchasing costs when buying a real estate in Germany?
• How much can I afford or borrow?
• How can I increase what I can borrow?
• Can I get a credit loan to increase my affordability?
• Can I get a mortgage in Germany without equity?
• I'm a freelancer, am I eligible for a mortgage and how much?
• Should I borrow the maximum amount or should I save some equity?
• What’s the difference between buying for own use and buying to let?

Exploring my options: advanced questions

• How do I know if the property valuation is fair?
• Should I get pre-approved for a mortgage?
• Can I get a mortgage for property outside Germany?
• What happens after my mortgage request gets approved?
• Mortgage Requirements for Tax Foreigners in Germany
• How does the KfW subsidy work with my mortgage?
• Can I include modernisation or renovation costs into the mortgage?

View all 7 topics

View all 7 topics

• How do I know if the property valuation is fair?
• Should I get pre-approved for a mortgage?
• Can I get a mortgage for property outside Germany?
• What happens after my mortgage request gets approved?
• Mortgage Requirements for Tax Foreigners in Germany
• How does the KfW subsidy work with my mortgage?
• Can I include modernisation or renovation costs into the mortgage?

German mortgage fundamentals

• How can I get pre-qualified?
• How is the monthly rate calculated?
• How quickly should I pay off my mortgage?
• What is Loan-to-value and why does my down payment matter?
• How to choose the right fixed interest period?
• Can I use extra repayments to repay my mortgage quicker?
• Are my mortgage payments tax-deductible?
• What more should I consider before closing my mortgage?
• What should I know if I expect to sell my house within 10 years?
• What is my SCHUFA score?
• How can I improve my SCHUFA score?
• How does my SCHUFA score affect my mortgage?

View all 12 topics

View all 12 topics

• How can I get pre-qualified?
• How is the monthly rate calculated?
• How quickly should I pay off my mortgage?
• What is Loan-to-value and why does my down payment matter?
• How to choose the right fixed interest period?
• Can I use extra repayments to repay my mortgage quicker?
• Are my mortgage payments tax-deductible?
• What more should I consider before closing my mortgage?
• What should I know if I expect to sell my house within 10 years?
• What is my SCHUFA score?
• How can I improve my SCHUFA score?
• How does my SCHUFA score affect my mortgage?

Applying for a mortgage

• Which mortgage documents do I need?
• How quickly can I get approved?
• Can I apply to multiple banks at the same time?
• When do my mortgage payments start?
• What happens if my new build project is delayed?
• Can I apply alone without my partner?

View all 6 topics

View all 6 topics

• Which mortgage documents do I need?
• How quickly can I get approved?
• Can I apply to multiple banks at the same time?
• When do my mortgage payments start?
• What happens if my new build project is delayed?
• Can I apply alone without my partner?

Mortgage rates in Germany

View all 0 topics

View all 0 topics

Handy Definitions

View all 32 topics

View all 32 topics

• Annuity Loan
• Anschlussfinanzierung
• Baukindergeld
• Bauträger
• Beleihungsauslauf
• Beleihungswert
• Bereitstellungszinsen
• Sondertilgung
• Forward Darlehen
• Grundbuch
• Grundschuld
• Haushaltsrechnung
• Bausparvertrag
• Kaufnebenkosten
• KfW Darlehen
• Grundsteuer
• Laufzeit
• Restschuld
• Maklergebühr
• Monatsrate
• Immobilienfinanzierung
• Notarkosten
• Notar & Beurkundung
• Grunderwerbsteuer
• SCHUFA
• Selbstauskunft
• Tilgung
• Notwendige Unterlagen
• Volltilgerdarlehen
• Vorfälligkeitsentschädigung
• Zinsbindungsfrist
• Zinszahlungsdarlehen

Additional Questions?

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