Buying Property in Germany as a First-Time Buyer

First Time Buyers

KFW 300: Great Subsidy for Energy-Efficient Houses in Germany

KFW 300 is in principle a very attractive program; it comes with interest rates as low as 0,01 % and very high loan amounts, of up to 270.000 €. You may be able to save 60.000 € in interest payments and even more if you invest the savings.

First Time Buyers

8 Ways to Increase How Much House You Can Afford in Germany

Find out how you can increase your affordability in times of high property prices and skyrocketing interest rates, and thus afford your German dream home.

First Time Buyers

Helping your kids buy a home in Germany: When is this a good idea?

Young adults often struggle with too little equity when trying to buy property in Germany. Learn what options parents have to help.

First Time Buyers

High Property Prices: Should I Still Buy a Home in Germany?

Property prices in Germany keep rising. We tell you if buying still makes sense at all!

First Time Buyers

What’s the role of SCHUFA in getting a mortgage?

SCHUFA is Germany's largest credit agency and calculates credit scores that are used by banks when deciding on a mortgage.

First Time Buyers

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.

First Time Buyers

10 steps: The notary procedure in Germany explained

The notary process to buy a home in Germany with a mortgage is rather complicated, and with plenty of legal jargon.

First Time Buyers

KFW loans and conditions for 2024 and how it applies to your German mortgage

If you are planning to buy your first existing or new home in Germany, build or buy a new climate friendly home, or renovate a property, you should always take a look at KFW loans and subsidies. Your mortgage advisor should always check if and how much it helps.

First Time Buyers

Don't fall for low mortgage rate advertising

Interest rates for you mortgage that are too good to be true? There's a hook and we tell you why.

First Time Buyers

Building a house in Germany - What you should consider

When building a house, you can design the property according to your wishes and you can even get away cheaper. Hypofriend explains to you what you have to consider.

First Time Buyers

10 Tips on How to Negotiate the Purchase Price of a Property

You want to negotiate the purchase price for a house or apartment? We give you 10 tips on how to do it and what you need to consider before.

First Time Buyers

How couples can split the mortgage cost and value of the house

When couples buy a house together, the question often arises how to split the mortgage costs. What you should consider.

First Time Buyers

Commitment fee: How much to pay if your new build isn’t ready?

With a new build project, you have a tough schedule. That's necessary if you want to avoid paying commitment fees to your bank.

First Time Buyers

Buying a new build in Germany

Nothing can go wrong with a new build? It's not quite that simple. There are pitfalls waiting here, too. We explain what you need to consider.

First Time Buyers

4 mistakes to avoid with your mortgage in Germany

Several studies show: People who buy real estate get wealthier. That's why it's important to avoid some mistakes in your mortgage.

First Time Buyers

Berlin Property Prices and District Guide

What do you have to consider when buying an apartment in Berlin? Our guide answers the most important questions.

First Time Buyers

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?

First Time Buyers

Step-by-step guide: How to buy property in Germany

The process of buying property in Germany explained in full detail. Beginning with the search all the way to becoming the legal owner.

First Time Buyers

Women are strongly underrepresented in property purchases

Women are much less likely to buy real estate than men. That is why we are launching the Hypofreundinnen-Initiative. A network for women.

First Time Buyers

These documents you need to apply for a German mortgage

Germans banks are very meticulous when it comes to paperwork. Here is a list of all the documents you need to apply for a mortgage.

First Time Buyers

Can I get a mortgage with a temporary residence permit?

The short answer is: Yes, it is possible to get approved for a German mortgage as a non-EU citizen living in Germany with a temporary residence permit.