Baufi24

Baufi24 is one of Germany’s leading independent mortgage brokers, helping individuals and families find the best mortgage financing for property purchases in Germany. The platform compares mortgage products from over 500 banks and lenders, enabling buyers to access the most competitive rates and terms available in the market.

For expats looking to buy property in Germany, securing a mortgage can be more challenging than for German citizens: some lenders require longer residence periods, banks vary widely in their appetite for lending to non-EU nationals, and the documentation requirements differ from what expats may be familiar with in other countries. Baufi24’s independent brokers navigate these challenges and match clients with lenders who are open to international borrowers.

The mortgage process in Germany differs significantly from Anglo-Saxon markets: typical Loan-to-Value ratios are lower (60–80%), fixed rates of 10–15 years are standard, and buyers are responsible for additional purchasing costs including notary fees, land registry charges, and Grunderwerbsteuer (property transfer tax) which add 7–12% to the purchase price. Baufi24’s advisers explain all of these considerations and ensure clients understand the full cost of purchase before committing.

Consultations are available online, by phone, and in person, and the service is provided at no cost to the buyer — Baufi24 is remunerated by the lender.