Advanced Mortgage Articles

Mortgages are complex but we're here to help, that's why we've created this series of advanced mortgage topics to help you understand how mortgages in Germany work.

Mortgage Advanced

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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Mortgage Advanced

Cash-Out Mortgage: How to Unlock Wealth from Your Existing Property in Germany?

Whether your property is fully paid off or still under mortgage, here’s how to make the most of its value.

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Mortgage Advanced

How Real Estate Investors Can Use Depreciation to Maximize Their Tax Refund and Returns in Germany

Depreciation rules were already exceptionally generous in Germany compared to other countries, where depreciation of buildings is rarely possible.

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Mortgage Advanced

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.

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Mortgage Advanced

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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Mortgage Advanced

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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Mortgage Advanced

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.

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Mortgage Advanced

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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Mortgage Advanced

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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Mortgage Advanced

KfW 40 QNG: The Comprehensive Guide to Subsidies, Costs, and Requirements

Here you will find out everything about KfW 40 QNG: what it is, which subsidies are available, and whether it is worthwhile for you.

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Mortgage Advanced

Ehegattenschaukel: A Great Tax Hack For Rental Properties in Germany?

The Ehegattenschaukel simply means selling your home, or your share in it, to your partner. This tax strategy increases the amount you can depreciate and deduct from your taxes in Germany, saving you thousands of Euros, but it applies only to rental properties.

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