Is a buy-to-let right for you?
Find out honestly.
Not everyone should buy property right now, and I will tell you exactly that. Seven short questions show whether your basics for financing and purchase currently hold up. If they do, you go straight to booking a call. If they don’t, you get an honest explanation and the right reading, instead of a sales conversation.
Employment: Permanent contract past probation, civil-servant status, or established self-employment (roughly 2+ years)
Income: From about €2,500 net per month, below that, German banks rarely run the numbers on a buy-to-let
Credit record: A clean SCHUFA (your own say-so is enough, nothing is queried)
What is this about for you?
Pick as many as apply.
What this check is for
Most people who write to me have the same question in mind before they talk about a specific apartment: do I even qualify? That is what this check answers. It asks the same points a bank looks at first, namely income, equity, existing commitments and the time horizon you bring with you.
You need no documents and no preparation. Seven questions, around 60 seconds, and at the end you get an assessment rather than a sales message. The possible outcomes are: it fits and we should talk, it fits with limitations, or it does not fit yet. You get the third answer as clearly as the first. An investment apartment that stretches your finances helps neither of us.
Your answers do not go into a scoring database, they prepare the conversation. If you book a first call afterwards, you already know the topics and we do not start from scratch. For the numbers themselves, the yield calculator takes your figures and shows gross yield, net yield and cash flow including financing.