Can I get a mortgage in Germany without equity?

A mortgage up to 115.00% or 120.00% LTV can be possible, depending on your personal situation, such as a very high income.

It’s important to understand that any mortgage over 100.00% of the property value means that the lender is financing not just the property, but also the purchase fees like notary, property transfer tax, and possibly the real estate commission. In return, they will charge higher interest rates for this risk. Whether you’re eligible for this depends, in particular, on your residence status and income.