Mortgages in Germany explained

How Long Should You Hold a German Investment Property? The 10-Year Mark
Discover how depreciation and taxes shape the real return on a German investment property, and why year 10 changes everything.
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What Are the Current Mortgage Interest Rates in Germany and How Do They Evolve?
What are mortgage rates in Germany right now? See our real-time chart, compare 5 to 20-year fixed rates and get a free personalised recommendation in minutes.
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Financing Certificate: Always one step ahead
With a financing certificate, you stand out from other prospective buyers. It serves as a confirmation of your financing potential to brokers.
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KfW Loans and Conditions for 2026 and How It Applies to Your German Mortgage
Planning to buy, build, or renovate a home in Germany? Check KfW loans and subsidies—your mortgage advisor can assess their benefits for you.
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Berlin Property Prices and District Guide
How much does an apartment in Berlin cost? Explore our overview with real estate prices and average cost per square meter across all Berlin districts. Get the data you need to buy.
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Sondertilgung: A popular but overrated option
Who doesn't like the idea of being able to repay extra on their mortgage? That is what “Sondertilgung” is. But is it a good idea?
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The Wohndepot: A New Subsidy for Future and Existing Home Owners
Learn how to use the Altervorsorge Depot to Save for a Home or Reduce Your Mortgage in Germany: The Wohndepot Explained
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Stephen and Alice bought their first home in Berlin
After moving from New York to Berlin, they didn't know how long they would stay. Then they felt in love with the city.
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