We are an independent German mortgage broker and compare rates from over 450 German lenders. Our English speaking team is specialiced to advice clients from all over the world. We’ve developed a simple and fast way to find and apply for the best mortgage rates through our free digital application form. Our combination of top-notch technology and industry-leading mortgage experts allows us to get our customers the best mortgage rates.

1: Determine your financing budget: Sign up here and answer some basic questions to estimate your potential mortgage terms in just 3 minutes. Our algorithm compares your information with the criteria of over 450 partner banks.

2: Provide detailed information: German banks require comprehensive details about the property and your financial status. This step typically takes no longer than 10 minutes and can be completed at any time, 24/7. Additionally, all relevant documents are available in English.

3: Receive expert guidance: Your personal mortgage advisor assists you throughout the German mortgage process, explaining requirements and recommending the most suitable options from our network of over 450 banks. You can reach out via phone or mail anytime for personalised financing advice.

4: Secure your mortgage: Sit back while we handle the mortgage closing process with the lender, keeping you informed at every stage – all free of charge.

From start to finish, our service is completely free of charge for you. Lenders compensate us for processing your successful mortgage application, typically a small fraction of the mortgage amount. We ensure full transparency by disclosing our fee amount once we’ve selected the suitable bank, and it will also be stated in your application documents.

We have access to a vast network of over 450 banks, including major German institutions like Deutsche Bank, ING, and Commerzbank, as well as regional banks such as Sparkasse and Volksbank. We prioritise finding the most suitable lender tailored to your unique profile and financing needs. You can find a full list of our lenders here.

A general rule of thumb is to multiply your monthly net income by 100 to determine the maximum loan amount most banks offer. Additionally, you should have cash available for purchase fees such as notary fees, purchase tax, and real estate agent fees.

To receive a pre-approval certificate, please sign up on our website and consult with one of our mortgage advisors. During the initial call, your borrowing power will be determined, and you’ll be guided through the documentation process.

Yes, residency status and work location in Germany influence the maximum loan amount. Our budget calculator considers residency status when determining borrowing capacity.

The timeframe varies depending on individual circumstances, but most customers receive personalised mortgage options within 24 hours of initial signup. Urgent inquiries can be addressed by contacting us directly via email.

The duration varies, typically ranging from 3 days to 4 weeks, depending on individual circumstances and lender processes. Our advisors take your timeline requirements into account when selecting a lender.

An annuity loan, the most common mortgage type in Germany, is a fixed-rate home loan where the monthly mortgage payment remains constant throughout the loan term. Initially, the instalment consists mostly of interest, gradually shifting towards higher repayment amounts. Borrowers typically repay the loan over 5 to 30 years, with options to repay between 2% and 10% annually.

Many banks allow voluntary payments of 5-10% annually, with some offering flexibility to adjust principal payments during the fixed term. However, overpayments may incur penalty fees from certain lenders.

Newly built properties often involve both a sales and work contract, requiring careful consideration of warranty rights. Contracts should be reviewed for warranty claims and obligations.

While the financing process remains similar, payouts for newly developed properties occur based on construction progress. Banks disburse funds according to developer invoices, with the construction period typically spanning up to 24 months.

KfW offers various home loan programs for homebuyers and homeowners seeking energy-efficient upgrades. These programs may feature lower interest rates, assisting with home purchases, renovations, and energy efficiency improvements. You can find more information here.

Selling within 10 years may incur penalty fees equivalent to remaining interest payments, while sales after 10 years are typically exempt from such fees. Capital gains tax may apply to property sales within 10 years, calculated based on profit.

You can reach us by filling out the application form on our website or emailing us at info@myeasymortgage.de. Our advisors are available to assist you between 9am and 7pm, and we’ll promptly respond to your inquiries.