I'm self-employed, am I eligible for a mortgage?

It’s true that getting a mortgage as a self-employed person or freelancer is indeed harder but not impossible, especially with us at your side. To be eligible, you generally need to fulfill the following criteria:

  • Have been active for 2 years

  • Have a stable income for 2 years

If you can prove a stable income and decent earnings over these two years or have a clear employment history than we can help you qualify for a mortgage. The documents required for your mortgage application are as follows:

  • Two most recent tax declaration ("Einkommenssteuererklärung") – this is the tax declaration you have submitted to the German tax office

  • Two most recent tax return ("Einkommenssteuerbescheid") – you should receive a tax return from the German tax office

  • Profit & loss account for 2018 ("BWA - Betriebswirtschaftliche Auswertung") – this evaluation shows your current revenue and must be verified by your accountant

  • Balance sheets incl. profit-and-loss calculation for 2018 and 2017 ("Gewinn-Verlust-Rechnung") – you get these from your tax accountant

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