Invest in Real Estate – lower your income tax, build wealth.
We help internationals in Germany invest in real estate with complete transparency. From finding the right property to calculating tax savings and returns.
We'll help you understand real estate investing, then find the perfect property based on your financial goals, tax situation, and life plans.
Free. No card required.
Don'tthinkofbuyingpropertyjusttoliveinit.InvestinginpropertyinGermanycandramaticallyreduceyourincometax,generatecashflow,andbuildequityovertime.Here'show:First,understandthetaxbenefits.Thenfindtherightproperty.Evaluateitagainstalternatives.Finally,buywithconfidence.
Property As An Investment
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
Investment Property ≠ Your Dream Home
Finding the right property means understanding what matters for wealth-building
Financial Fit
Primary Factor
- Matches your income and down payment capacity
- Generates tax savings that work for YOUR situation
- Positive or manageable cashflow based on your goals
Life Goals Alignment
Primary Factor
- Fits your wealth-building timeline (5-year flip vs. 20-year hold?)
- Matches your risk comfort level
- Aligns with your life plan (staying in Germany? Moving back?)
Personal location preference? Nice to have, but not a priority for investment properties. The math matters more than the view.
47 properties across Germany - matched to YOUR financialsClick to browse
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.