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.
Do you have a German passport but receive your salary or pension abroad or live outside Germany?
Gehören sie zu dieser Personengruppe – oft als Steuerausländer bezeichnet – dann sind Ihre Finanzierungsmöglichkeiten oft eingeschränkter als für in Deutschland ansässige Personen.
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.
Wir vermitteln seit mehreren Jahren spezialisiert und erfolgreich Immobilienfinanzierungen für Steuerausländer, Grenzgänger, Pendler und bei Arbeitsplatz oder Wohnsitz im Ausland (Wohnsitzausländer, Non-Residents, Auslandsdeutsche).
Sie möchten in Immobilien investieren – sei es zur Vermietung, als Kapitalanlage oder zur langfristigen Vermögenssicherung?
Bei baufi-zentral.com bieten wir maßgeschneiderte Finanzierungslösungen für Kapitalanleger und Investoren, die auf Rendite, Sicherheit und steuerliche Vorteile setzen.
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.
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.
Our newsletter – blog
New Schufa Score 2026: Real Estate Financing Despite a Schufa Score Dip
Das neue Schufa-Punktesystem entscheidet über Ihre Baufinanzierung. Liegt Ihr Score bei 765 oder deutlich niedriger?Erfahren Sie hier, wie Sie Ihre Punkte optimieren und über baufi-zentral.com exklusive Sonderfinanzierungen realisieren.
Does investing in real estate make sense in 2025?
In short: Yes, even if it's not easy! Because interest rates are unlikely to fall sharply and the housing supply remains tight, well-planned real estate financing is a sensible strategy for households focused on value preservation, inflation protection, and long-term...
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).
