Mortgage Brokers since 2o11
Our services: Financing brokerage for Germans living abroad, investors, and funding advice
Independent real estate financing advisors with over 10 years of market experience. Our specialized team will guide you through all phases of your real estate financing—whether you purchase, build a new home, renovate, or build your own property.
Our particular strength lies in advising non-resident taxpayers, expats, commuters, and cross-border workers from countries such as Switzerland, the USA, Great Britain, China, and Canada. Multilingual support for our clients, including English, Spanish, and Chinese, perfectly complements this expertise.
Other key topics include financing for capital investors and investors as well as subsidies and energy-efficient renovation.
Thanks to direct access to around 400 banks and lenders in all federal states, we can quickly provide you with individual financing proposals and conduct a thorough preliminary feasibility check, taking internal bank criteria into account.
In this way, we improve your chances of getting the best conditions and you avoid unnecessary recording of rejected credit applications in your Schufa.
Who do we finance?
We find tailor-made real estate loans for a wide range of clients, including employees, civil servants, self-employed individuals, freelancers, entrepreneurs, military personnel, and retirees.
Our particular focus is on people who face particular challenges in real estate financing due to their specific living circumstances or place of residence.
These include, in particular, non-resident taxpayers, expats, commuters and cross-border workers who have their main residence abroad and earn income in a foreign currency such as USD, GBP or SFR, but would like to purchase property in Germany.
In addition, we have extensive experience in implementing complex financing structures for capital investors, private individuals and family offices.
What do we finance?
We offer comprehensive financing solutions for a wide variety of property types and projects. Our portfolio includes traditional construction financing for the purchase, new construction, conversion, extension, energy-efficient renovation, renovation, or change of use of properties.
The properties we finance include condominiums, penthouses, single- and two-family homes, and entire apartment buildings.
We support you with follow-up financing and refinancing existing loans, and help you secure favorable interest rates early on through forward loans. Our services also include raising capital through the revaluation of unused mortgage portions, for example, to finance investments or additional (foreign) real estate.
How do we finance?
Our financing approach offers you a transparent and efficient path to your customized real estate financing. We combine in-depth expertise with state-of-the-art technology and a broad network to find the optimal solution for every individual situation.
We start with a detailed financing consultation and a digital financing check to analyze your individual needs and determine your potential.
This is followed by a comprehensive comparison of terms and conditions with the help of our extensive banking network of over 400 partner banks – including national partners such as ING and Commerzbank, as well as regional cooperative banks and savings banks. This ensures we secure the best terms on the path to your desired financing.
Our special topics: non-resident taxpayers, capital investors, subsidies.
Real estate financing for foreign residents
Do you have a German passport but receive your salary or pension abroad or live outside Germany?
If you belong to this group - often referred to as a tax resident - you can only obtain real estate financing in Germany under certain conditions. Financing options are often more limited than for German residents.
Those affected often already know how difficult it is to obtain a real estate loan in Germany as a non-resident taxpayer. Despite excellent creditworthiness and high income, they have already unsuccessfully sought a loan or construction financing from German banks. Many lenders do not want non-resident taxpayers or non-resident taxpayers due to legal requirements, foreign-language documents, residence and work permits, etc.
Special aspects for international clients: We provide comprehensive advice on all requirements, even if you receive foreign income or foreign currency income.
For several years, we have been specializing in successfully brokering real estate financing for non-resident taxpayers, cross-border commuters, commuters, and those who work or live abroad (non-residents).
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Foreign currency income and its significance for lending
If your salary, pension, or retirement benefit is paid in a foreign currency rather than euros (€), German banks have special requirements for real estate financing. Lending depends heavily on the currency of origin as well as the country of your employer or residence. Three basic zones can be distinguished, which are assessed differently from a banking and regulatory perspective:
EU, EEA and EFTA – preferred region with stable legal certainty
Here we connect you to suitable banks that also accept income in foreign currency, provided the economic and regulatory framework is stable.
EEA/EFTA:
Switzerland (CHF), Norway (NOK), Iceland (ISK), Liechtenstein
EU member states with their own currency
Denmark (DKK), Sweden (SEK), Poland (PLN), Czech Republic (CZK), Hungary (HUF), Bulgaria (BGN), Romania (RON), Croatia (HRK until 2022), Ireland (partly GBP), Slovakia (EUR)
For customers living in one of these countries, the so-called conversion right applies. Financing is generally only possible if the income is received directly in euros. This means that payroll must be paid in euros, not in the local currency, even if the payroll is transferred in euros. The conversion right cannot be excluded contractually, as it is a consumer right under the German Civil Code (BGB).
The exception is residence in Denmark and income in Danish kroner (DKK) – in this case, financing can be obtained from banks that accept that the Danish krone is tied to the euro via the Exchange Rate Mechanism II, and thus the conversion right does not apply in practice.
G7/G20 countries outside Europe – frequently accepted partner countries
Even income from major industrialized nations is reviewed and partially accepted by many banks – depending on creditworthiness, proof of income, and legal protection. The reliability of the economic framework plays an important role here.
North America: USA (USD), Canada (CAD), Mexico (MXN)
South America: Brazil (BRL), Argentina (ARS), Peru (PEN)
Asia-Pacific: Australia (AUD), New Zealand (NZD), South Korea (KRW), Japan (JPY)
Middle East: Israel (ILS), United Arab Emirates (AED), Qatar (QAR), Kuwait (KWD), Saudi Arabia (SAR)
Pecularity:
US soldiers stationed in Germany or Europe In many cases, they are a preferred target group with separate evaluation criteria.
Other third countries – financing possible, individual assessment, often with increased effort
Income from less regulated countries or countries with more unstable political or economic conditions is only accepted in exceptional cases – often with stricter requirements regarding creditworthiness, translations and collateral.
Eastern Europe and the Caucasus: Georgia (GEL), Ukraine (UAH)
Asia: China (CNY / RMB), Hong Kong (HKD), Taiwan (TWD), Malaysia (MYR), Singapore (SGD)
Latin America & Central America: Nicaragua (NIO), Panama (PAB)
Balkans & Southeastern Europe: Albania (ALL), Serbia (RSD)
If you receive income in a foreign currency, we will first examine on an individual basis whether and how financing is possible – and with which banks. Our many years of experience with international clients enables us to find solutions even in more complex situations.
Contact us now for Your personal advice & financing check
Financing for capital investors
Are you interested in investing in real estate—whether for rental purposes, as a capital investment, or for long-term asset protection? At baufi-zentral.com, we offer customized financing solutions for capital investors and investors who value returns, security, and tax advantages.
Our experienced team will competently guide you through all phases of your real estate financing – from market analysis to property selection and coordination of suitable financing options through to long-term support.
Even with complex financing profiles, we optimize the use of funding and tax planning options.
Our financing for real estate investors is specifically tailored to the needs of investors who want to purchase properties for rental purposes or as an investment. The focus is on generating returns through rental income and potential appreciation, in contrast to owner-occupation, where the primary focus is on personal use.
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What is important when financing investment properties:
Yield orientation
The focus is clearly on income: your rental income should not only cover the loan costs, but also generate a solid return of ideally 4 to 5% per year.
Equity capital input
Full financing is possible, but we recommend covering at least the additional costs (property transfer tax, notary, broker, etc.) with equity. This will improve your interest rates and increase your flexibility.
Flexible loan options
Whether an annuity loan, a fully amortizing loan, or a variable interest rate – we will work with you to analyze your risk tolerance and liquidity goals and find the right financing structure.
Subsidized loans and grants
Take advantage of government subsidies, such as those offered by KfW or regional programs, especially for renovations, modernizations, or refurbishments. These can significantly ease your financing burden.
Protection against loss of rent
The financing should be robust enough to cover even temporary rental losses or vacancies – we calculate realistically and sustainably.
Long-term interest rate security
Secure long-term planning security with a strategically chosen fixed interest rate – especially in times of volatile capital markets.
Our recommendations for your investment decision:
Location & Structure – Pay attention to an attractive micro and macro location. We support you in assessing the building structure and potential defects.
Value assessment – Thanks to internal tools, we check whether the purchase price is in line with the market – so you can avoid overpriced investments.
With our digital financing check, we determine your maximum financing potential and simulate the monthly loan rate.
Make your appointment now for Your personal advice & financing check
Real estate loans & subsidies
Funding & Energy Efficiency – Your financing opportunity with government support
The German government offers extensive funding programs for the purchase, construction, renovation, or modernization of real estate—particularly in the areas of energy efficiency and accessibility. Whether through the KfW (Kreditanstalt für Wiederaufbau), the BAFA (Federal Office for Economic Affairs and Export Control), or other agencies, as a borrower you can benefit from low-interest loans, repayment subsidies, and direct grants.
We at baufi-zentral.com specialize in precisely such cases. Together, we will examine which types of financing and funding are realistically available for you – and guide you safely through the application process.
read more …
Current funding opportunities at a glance:
KfW loan programs (through your financing bank)
KfW Home Ownership Program (124)
For the purchase or construction of owner-occupied residential property – subsidized loan up to €100,000
Climate-friendly new building (296, 297, 298, 300)
Financing climate-friendly new buildings – including special programs for families.
Home ownership for families – acquisition of existing properties (308)
For families and single parents when purchasing and renovating existing properties.
Energy-efficient renovation (261)
For the purchase or renovation to a KfW efficiency house.
Age-appropriate renovations (159)
Low-interest loan for barrier-free and safe housing in old age.
BAFA grants (can be applied for directly)
Federal funding for efficient buildings (BEG)
Grants for individual measures such as:
- Roof insulation
- Window replacement
- Replacing fossil heating systems with heat pumps or solar thermal systems
- Combination with KfW loans possible
Important information on the use of funding
Combinable: Many programs can be cleverly combined with one another – we’ll show you how.
Observe conditions: Energy efficiency standards, income limits or specific uses are often prerequisites.
Individual advice is crucial: Funding landscapes change regularly – we keep you up to date.
Application via bank or directly: KfW loans are arranged through banks, BAFA grants are applied for directly through BAFA.
Our service: Funding check & financing from a single source
We support you in finding the optimal combination of funding and real estate loans – even in complex situations. Whether it's renovation, refurbishment, or climate-friendly new construction – let's explore your options together.
Request now without obligation – Your personal advice & financing check
Our newsletter – blog
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Does investing in real estate make sense in 2025?
Kurz: Ja, auch wenn nicht einfach! Weil Zinsen voraussichtlich nicht stark fallen und das Wohnungsangebot knapp bleibt, ist eine gut geplante Immobilienfinanzierung heute eine sinnvolle Strategie für Haushalte, die Ihren Focus auf Werterhalt, Inflationsschutz und langfristige…
Our team – your experts for financing with foreign residence, capital investment & funding
Feitian L.
Graduate mathematician
Financing options and optimization
Investment/amortization calculation,
Advice in Chinese (native speaker).
Jörg K.
Dipl.-Ing. Architecture
Property search and valuation,
Building construction, inventory,
Tax non-residents and expats.
Ludwig P.
B.Sc. Renewable Energies
Freelancer,
Funding advice,
Energy-efficient renovation & modernization
Energy efficiency.
Tim Z.
B.Sc. Computer Science
Freelancer,
Foreign real estate Spain,
Process optimization & automation,
Advice in Spanish (native speaker).
