Property Platform
Build wealth through property - with the numbers to back it up and the team to make it happen
Whether it's your first investment property or your fifth, get the full financial picture, expert guidance, and end-to-end support from purchase to notary.
Example Investment
2-Bed Apartment
Monthly Cashflow
+€127
after all costs
Annual Tax Savings
€4,820
based on €75k income
10-Year Total Return
€148,200
equity + cashflow + tax
Equity Required
€42,750
15% down payment
Tax saved in Year 1
€4,820
Your Journey
Where are you on your investment journey?
Choose the path that fits. We'll tailor everything — from the numbers you see to the support you get.
The Process
From first question to notary signing
Tell us about you
Get started in our app. We’ll make sure you get as many human touch points as you need.
See your numbers
Detailed est. projections: cashflow, tax savings, total return — you can revisit everything in your Financemate account.
Find your property
We match you with vetted properties that fit your strategy and budget.
Close with confidence
We handle financing, contracts, and coordination — bank to notary to keys for you as much as possible.
From Our Investors
People who started where you are
Featured story
Four months later, I bought another in Frankfurt for €600k
“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.”
Kristine
Australian living in Berlin
Your Team
A network of specialists.
One person in your corner.
You get a dedicated guide who coordinates everything — banks, developers, notaries — so you don't have to.
Financemate
Your dedicated guide
We talk to banks for you
We prepare your documents, submit to multiple banks, and negotiate the best financing terms on your behalf.
Hover over a specialist to see how we help
Your Platform
Where opportunities are understood & executed
Financemate
Your dedicated guide
Where you see it all
Tap a specialist to see how we help
The Tax Difference
Same property. Very different tax treatment.
The same costs — one scenario lets you deduct them.
See the full comparisonFAQs
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 Tax Strategy Guide.
Tax Strategy GuideMortgage brokers like Hypofriend help you find financing for a property you've already chosen. Financemate is an end-to-end service: we help you find properties, analyze the numbers, incl. tax benefits, and handle financing as part of the process. We focus exclusively on investors building wealth, not homebuyers.
See full comparisonNot 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. This only works if you buy to rent out, not if you buy to live.
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. It depends on your personal situation and goals.
We partner directly with developers and experienced property evaluators to offer new-build properties that qualify for maximum depreciation benefits in a good location. Leaving out an agent in the middle means no buyer's commission for you and properties vetted for investment suitability.
We offer free consultations, help you understand your numbers, connect you with a specialist, and provide ongoing support through the purchase process.
Ready to learn how it works?
Watch now or join us at a live event.
Watch now
How property investing works in Germany
10 min overview with real numbers
Learn live
Join one of our free events
Ask questions, see real calculations for your income, and meet others in the same situation — no commitment, no sales pitch.