Real estate investment in Germany
Buy an investment property in Germany — and turn your taxes into wealth.
Tenants and the tax office help you pay off your loan. After 10 years you can exit 100% tax-free.
- Little to no equity required in many cases
- Rent and tax savings help offset financing costs
- Sell 100% tax-free after 10 years
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Get your personal example calculation — free
How it works, with numbers
One apartment. A clear example.
Illustrative example — figures depend on the individual property and your personal situation.
The purchase
Who pays the monthly instalment?
You pay roughly a quarter — the tenant and the tax office cover the rest.
After 10 years: tax-free sale
A good fit for
You work hard. Let your money do the same.
A different way to finance
A home to live in. Or an asset to build on.
Owner-occupied and rental properties are treated very differently by tax law. The difference makes the investment case.
Owner-occupied property
- No tax deduction on living costs
- Mortgage interest is not tax-deductible
- No structured tax-depreciation advantage
Investment property
- Tax-deductible interest and expenses
- Depreciation reduces taxable income
- Rent and tax savings help fund repayment
The tax advantages
More of your income. Working for you.
Capital invested is written off for the building portion of the purchase price.
Rental losses can be offset against salary income, reducing your tax bill.
Loan interest, maintenance, property management and tax advisory costs are deductible.
Smart financing
You don't have to fund it all yourself.
Banks finance a large part of the purchase. Tenants cover part of the monthly cost, and tax savings help offset financing further.
- Loan interest is tax-deductible
- Financing structured around your income
- Property pays towards itself over time
- EU Blue Card holders eligible with no minimum stay
- Permanent residence / long-term permits welcome
Long-term perspective
Think in years. Not in market headlines.
The property value comes from the letting cash flow, not short-term headlines.
The path to your property
A clear path. With you at every step.
- 01
Free initial consultation
We discuss your situation, goals and budget.
- 02
Your strategy meeting
We put together a tailored investment strategy.
- 03
Property selection
We shortlist properties that fit your strategy.
- 04
Financing & purchase
We coordinate financing and the purchase process.
- 05
Notary signing
We accompany you through signing and handover.
Frequently asked questions
Clarity before commitment.
In many cases, little to no equity is required — the bank finances the purchase price and costs, and the property is structured to pay towards itself over time.
Yes, EU Blue Card holders are generally eligible, often with no minimum stay in Germany required.
No — property management can be handled by a professional management company, and the cost is tax-deductible.
Typically the strategy phase takes around 2 months, with the purchase process taking 3–6 months from offer to notary signing.
Under current German tax law, private property sales are generally tax-free after a 10-year holding period.
Yes — the initial consultation and personal example calculation are free and non-binding.
Get started
Get your free personal example calculation.
We'll put together a non-binding example based on your income and goals — no obligation.
- A strategy tailored to your income
- Clear numbers and no hidden costs
- Free consultation without obligation
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