Master property investing
The full financial picture, expert guidance, and end-to-end support.
First property
+€127/mo
Cashflow
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Property investing
simplified
Whether it's your first investment property or your fifth.
Growing portfolio
€4,820/yr
Tax savings
Long-term strategy
€148k
10yr return
Free. No card required.
Client stories
The Tax Difference
Buying a home vs. Buying an investment
The same costs — one scenario lets you deduct them.
See the full comparisonYour situation
How we can help you
Get your first investment property with confidence
Discover if property investment is right for you. Get a personalized projection with real numbers, understand tax savings, and see how a first property fits your financial picture.
Find out when the next one makes sense
See how your next acquisition impacts your finances, from a tax position, cashflow, and leverage. We can find the matching next property for your goals and situation.
Grow beyond 3 properties with strategy
Build a portfolio strategy that accounts for financing capacity, tax optimization, and market timing. We help you think in 5, 10, and 20-year horizons.
Property investing, done right
The surface is crowded. The real value sits deeper.
Below the surface
The parts that actually make it work
Calculators can crunch numbers. But a good investment needs more than math.
The right type of property
Aligned to your tax situation, financing, and long-term goals.
A person in your corner
Throughout the whole process. Not a chatbot, not a sales call.
A long-term mindset
Your 5, 10, 20-year picture, running multiple scenarios.
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
Financemate
Your dedicated guide
Tap a specialist to see how we help
How we guide you
Build your plan
Before anything else, we work on your strategy together. Your tax situation, risk appetite, timeline, and goals shape next steps.
Secure your mortgage
We collect your documents, submit to banks, compare offers, and walk you through every step until your Darlehensvertrag is signed.
Complete the purchase
From reservation to notary, we guide you through every legal step, explain the German contracts, and make sure nothing falls through the cracks.
Set up for success
Bank accounts, invoices, tenant introductions. We help you set everything up so your investment runs smoothly from day one.
What others say
“I was flabbergasted by the calculation — positive cashflow, tax benefits, building wealth without using my own capital. We found a €250k apartment and I went for it. Four months later, I bought another in Frankfurt for €600k.”
Kristine
Bought 2 properties
Javi
Living in Germany for 13 years
“It's the first time I find something so curated for expats to plan your future and get closer to financial independence. You can see everything very clearly.”
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Name
Context
Khaled
Bought property in Frankfurt
“I always wanted to buy a flat in Germany but never knew where to start. Four weeks later I bought my first investment flat in Frankfurt. They even came with me to the notary.”
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Name
Context
“I needed advice on pension and investment for starting freelance. Explained everything clearly and provided a tailored solution. I can recommend Financemate to anyone seeking help with finances.”
Marieke
Financial planning
“The first consultant who suggested canceling products that no longer fit and only recommended truly helpful ones. Never any pressure, just an honest discussion about risks and preferences.”
Ruwen
Insurance & pension
Everything you need to know
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.