Deep Dive Mortgage Articles

Deep Dive

How Real Estate Investors can use Depreciation to maximize their Tax Benefits and Returns in Germany

Depreciation rules were already exceptionally generous in Germany compared to other countries, where depreciation of buildings is rarely possible. Recent measures, including those announced on March 22, 2024, make it even more generous with up to 10% depreciation possible.

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What are the latest mortgage interest rates in Germany and how do they evolve?

You can find here the latest and the historical fixed mortgage rates in Germany together with the government bond yield that banks use to set the mortgage rates. We also explain how the rates relate and how we can help you choose the best fixed rate period. Learn how to select the best fixed period for your mortgage with personalized advice tailored to your finances.

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Step-by-Step Guide: How to Sell Your Property in Germany

Would you like to know what to consider when selling your house or apartment? Don't want to pay a real estate agent? We show you what to do!

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How a "Bausparvertrag" can help you avoid high interest rates for refinancing

Worried about the future interest rate on your mortgage? We have some solutions that can minimize your interest rate risk!

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Should I buy a tenanted property for own-use in Germany? A trap or an opportunity?

Buying a tenanted property can have its advantages and disadvantages. The following article will walk you through some considerations on how you can and should approach buying a tenanted property in Germany.

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German house prices under Covid: Cause for alarm or chance?

Covid-19 causes an unknown shock to Germany's economy. Should we worry about home prices falling, or should we use it as a buying chance?

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Why being a landlord is so attractive in Germany?

Germany has an unusually generous system for buy-to-let properties, and the returns are high. Read here what you need to know.

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Are houses and apartments overpriced in Germany?

Are houses and apartments overpriced in Germany? What is the actual situation on the real estate market? An analysis.

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Mortgage for Blue Card holders: Should you buy now or later?

We explain what options you have as a Blue Card holder to expedite your home purchase, and when it makes sense to wait.

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What does Covid-19 mean for your mortgage plans?

The Coronavirus is a tragedy. Here is a deep dive to make sense of the impact on the economy, to help you in your housing decision.

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How to refinance your German mortgage?

Here you will find everything you need to know about a forward mortgage and how to refinance your mortgage in Germany.

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6 tax law issues that homeowners should be aware of

In this interview with a tax advisor, you will learn about the 6 German tax law issues residential property owners need to know about.

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Is a Bausparvertrag useful when buying a home in Germany?

A Bausparvertrag is still quite popular in Germany. These are complex products that can be very useful, but also problematic.

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Mortgage payment moratorium: Pause repayments for 3 months

Germany has passed a law that allows you to pause the repayment for your mortgage for three months.

Deep Dive

Berlin’s rent cap: Interview with a real estate lawyer

We spoke with Mr. Scheidacker, lawyer for residential property law, about the Berlin rent cap & other legal aspects of buying a house.