Investment property in Germany, for people with a day job.
Join 500+ internationals on the platform
Internationals who bought with us. Hear their storiesWhy property
Germany's Rente replaces near 48 % of average pay, and only after a full working life of contributions here. Most internationals will not have one.
Replacement level (Rentenniveau)
Property and the pensionInflation will erode your savings over time. The number in the account might grow but the money buys less each year.
Real return (Realzins)
Property and savingsYou invest money that is already taxed. You cannot get money from the bank to invest and the gains are taxed again.
Capital gains tax (Abgeltungsteuer) 26.375 %
Property and ETFsProperty is the only one that allows all three.
A rental loss lowers your taxable salary, and the refund is money you already earned.
Banks finance up to 100 % of the purchase price. You bring the purchase costs.
Somebody else pays down the loan, on an indexed rent, while you hold the asset.
Venture capital, private equity and building a company also create wealth in Germany. They ask for money you have already earned and taxed, and no bank finances them the way it finances a flat.
Find a suitable property as your first investment, from off-market listings screened by our property partner before they reach you.
Digital tools that make owning a rental property effortless. Documents, costs and tax details in one place.
How we work
Learn more about real estate investing with us in 2 weeks then you ever could alone in 6 months. And also leave with a real property you understand and can consider buying.
All three steps, at no cost to you.
On your own
6 months
With us
2 weeks (fastest we've done)
Your goals and your numbers
Your income, savings and goals in your own account, with guides that explain the mechanics on your own figures.
You leave with your own numbers, and the vocabulary for the next conversation.
The walkthrough, with an expert
A live session before any listing is opened: financing, depreciation, tax effects and exit, drawn on one example.
You leave with the whole concept explained, and what you could fund each month.
A real property, and your scenarios
Our property partner sources a property against your limit and your exit plan, and presents it line by line.
You leave with one real property in your dashboard, your scenarios run, and a viewing in the diary.
See what a rented apartment builds for you, tax refund included.
Rent 1.218 € / month · 2026 new-build · 5 % degressive AfA
These are two examples.
A free account runs the same numbers on properties matched to your income and goals.
Find your own propertyPositive from the first year once the tax refund is counted.
| Over the hold | 10 years | 15 years | 20 years |
|---|---|---|---|
| Rent collected | 164.604 € | 267.696 € | 390.060 € |
| Cashflow before tax benefits | -20.776 € | -10.374 € | +19.300 € |
| Tax back | 38.439 € | 37.916 € | 24.234 € |
| Cashflow after tax benefits | +17.663 € | +27.542 € | +43.534 € |
| Wealth up | 137.335 € | 254.849 € | 398.261 € |
Wealth up is what you walk away with after paying off the loan, selling costs and any tax on the sale, minus your own capital. Tax-free after 10 years.
Running the numbers and financing thread through all of it. For the rest, we bring in trusted partners and stay with you while they do their part.
“Four weeks later I bought my first investment flat in Frankfurt.”
Khaled Bought in Frankfurt“The first was a €250k flat: positive cashflow, tax benefits, building wealth without using my own capital. Four months later I bought the second in Frankfurt for €600k.”
Kristine Bought 2 properties“I was curious about real estate but quickly overwhelmed by the moving parts. In three weeks I went from initial curiosity to purchasing my apartment, fully confident in the decision.”
Shant Curious to keys in 3 weeks“You can see everything very clearly.”
Javi 13 years in Germany
Bought · Dec 2026Rent in 2027, tax back on average, wealth if sold in 2036. Projected.
Led by KarimSee the deal
Bought · Jun 2026Rent in 2027, tax back on average, wealth if sold in 2036. Projected.
Led by KarimSee the deal
Bought · Oct 2026Rent in 2027, tax back on average, wealth if sold in 2036. Projected.
Led by AlexSee the dealYou start on your own: run the calculator, open a past deal, and see what a rented apartment does to your income and your tax. When you want to go further, our experts walk you through your numbers, our property partner sources and screens the apartments you see, and our financing partner handles the loan with the bank. You decide at every step.
Internationals who live and earn in Germany and want their income to build something. Most of our clients are employees on a permanent contract who pay a lot of tax here and have never bought property in Germany before.
The platform, the calculators and the first conversations are free. If you buy through our property partner, the developer pays the partner a commission, so there is no buyer agent fee for you. You always see the full purchase costs in the calculator before anything is signed.
Yes. Enter the price, the rent and your income, and the calculator runs the same numbers on your own property as on ours, tax refund included.
That depends on your income, the property and the bank. The closing costs (property transfer tax, notary, land registry) are usually the part that comes from your savings, and the calculator shows them for every property. Our financing partner tells you what a bank will do in your case.
No. Everything on Financemate is in English, and our experts and partners work with you in English, from the first call to the notary appointment.
No. Financemate is a platform and a facilitator: we show you the numbers and introduce you to the partners who do the regulated work. We do not give tax, investment or insurance advice, and we do not act as a property broker or loan intermediary.
A message from
our founders
We break down the barriers to buying rental property in Germany. Enabling more people to benefit from it and strengthen their financial future. We find the right properties, have tools to run the numbers, the knowledge to understand them, and the people who have done it before. So investing here feels less like a leap, and more like a decision you can stand behind.
Free email course
One email at a time: how a purchase works in Germany, what it costs, which taxes apply, and where the risks sit. Plain English, written for internationals.
See what each lesson covers
