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Guides

German buy-to-let, explained in English:
knowledge that compounds.

Buying property in Germany is not black magic, but it forgives no arithmetic errors, and it happens entirely in German. These guides cover what English-speaking buyers ask me most: ownership, costs, financing and the honest way to read a yield. Written from practice in the Rhine-Main region, not from a content calendar.

Getting started
Buying property in Germany as an expat: the honest walkthrough.

Ownership rules, financing, purchase costs, the notary and taxes: how buying an apartment in Germany actually works when German isn’t your first language.

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Costs & taxes
German property purchase costs: the 8–12% nobody prices in.

Transfer tax, notary, land registry, agent fee: what buying in Germany really costs, worked example for Hesse plus the levers that reduce the bill.

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Financing
Getting a German mortgage as an expat: what banks actually check.

Income, residence status, SCHUFA, equity: how German banks assess expat borrowers, what a typical loan looks like, and the numbers behind the payment.

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Yields & numbers
Rental yield in Germany: gross, net, and what actually lands on your account.

Gross yield, net yield, cash flow: the three numbers behind every German buy-to-let, formulas, a worked example and the classic double-counting mistake.

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Reading German? The German section holds 26 in-depth guides and 13 location profiles. Start at the Ratgeber overview.

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