From first calculation to first rent
One dashboard guides you through the entire journey. See your tax savings, find the right property, get financing, and collect your first rental income — at your own pace.
No card required. Self-serve or with our help.
Understand your opportunity
See if this is for you, know your numbers, get your questions answered, receive a property recommendation, and get a financing offer — all before you commit to anything.
- Interactive tax & cashflow calculator
- Personalized property matches
- Real financing offers from banks
- No commitment required
Year 1 tax savings
€8,450
Try it yourself — enter your numbers after creating an account
Prefer a personal introduction? Book a free discovery call
Investment property ≠ your dream home
Location, aesthetics, personal taste — these matter for where you live. For wealth-building, the math is what counts.
Property As An Investment
See how real estate investing creates tax advantages and builds wealth over time.
A video from Financemate Co-founder Daniel
11 minWhat you'll learn
- How real estate creates tax advantages
- How depreciation reduces your tax burden
- Cashflow positive investing explained
A Fair Deal, We Think
Buy from our curated portfolio of properties. We handle everything from selection to closing at the notary. No buyer commission, just transparent support.
Ready to understand how to lower your taxes and build wealth with real estate?
Our app will get you there, at your own pace.
Free. No card required.
Prefer a personal introduction? Book a free discovery call
Real people, real properties
Kristine
Australia
"Real estate came up, and I was flabbergasted by the calculation - positive cashflow, tax benefits, building wealth without using my own capital… why wasn't anyone talking about this? Alex guided me through the numbers, I verified with my own research, and it seemed like a no-brainer. We found a €250k apartment, and I went for it. Four months later, I bought another in Frankfurt for €600k."
"Four months later, I bought another in Frankfurt for €600k"
Marieke Neleman
Netherlands
"I found Financemate through Google as I needed advice on pension/investment for starting freelance. He explained everything clearly and provided a tailored solution for me. I can recommend Alex to anyone seeking help with finances while also wanting to become more knowledgeable about the topic."
"explained everything clearly and provided a tailored solution"
Ruwen Bussinger
Germany
"I admit it, I'm no expert. Alex (my Financemate) was the first consultant who suggested canceling products that no longer fit our needs and only recommended truly helpful ones. There was never any pressure, just an honest discussion about risks and preferences. I wholeheartedly recommend him as an honest sparring partner for financial decisions."
"an honest sparring partner for financial decisions"
FAQs
Property investing in Germany allows you to offset rental income against depreciation and interest costs, often creating a "paper loss" that reduces your taxable income while you build real equity. Learn more in our Real Estate Glossary.
Real Estate GlossaryNot necessarily. With 100% or even 108% financing (covering purchase price plus closing costs), many investors start with €0-30,000 in cash. Your income and creditworthiness determine your financing options.
In Germany, you can depreciate the building portion of your property (typically 80% of purchase price) over time. New buildings built after 2023 qualify for 3% linear or 5% degressive depreciation, plus potential Sonder-AfA (special depreciation) of 5% per year for the first 4 years.
AfA Depreciation GuideLinear depreciation is a fixed percentage each year (2-3% depending on build year). Degressive depreciation (5%) allows higher deductions in early years, switching to linear when it becomes more favorable.
While higher incomes see larger tax benefits due to progressive tax rates, property investing can be beneficial starting from around €60,000 annual income. The key is positive cashflow after all costs.
We partner directly with developers to offer new-build properties that qualify for maximum depreciation benefits. This means no buyer's commission and properties vetted for investment suitability.
We offer free 15-minute consultations, help you understand your numbers, connect you with financing partners, and provide ongoing support through the purchase process.