Affordability calculator
How much can I afford?
This calculator will determine how much you can borrow for your home loan based on your current income and expenses.
Mortgage repayment calculator
What is my monthly repayment?
This calculator will quickly estimate your loan amount and your monthly repayments over the course of the home loan.
Mortgage rates calculator
What are the mortgage rates?
This calculator will compare and find the best German interest rates for your home loan.

Leverage mortgage experts and independent mortgage comparison calculators to finance a property in Germany

As the only independent German mortgage calculator for Expats, Blue Card holders and foreign investors, we compare offers from all relevant financial institutions.

Our experts determine the perfect mortgage, regardless of whether you are buying to live in, to invest, or you are looking to refinance.

How to use our mortgage calculator?

Our mortgage calculator can help you quickly estimate the monthly mortgage repayments for your new home, including taxes, insurance and fees. Here’s the information you’ll need to understand the mortgage calculator.

Mortgage Rate

The monthly payment amount that is composed of the interest and principal payment. It is the amount that you will need to pay each month to secure the mortgage.

Interest Payment

The amount charged as a % of principal to borrow the funds. It can be fixed for 5-30 years. The total cost of the mortgage is the cumulative amount of interest paid. The rate will vary based on credit, down payment, and duration.

Principal Payment

The money going to pay down the loan balance each month. As time goes by, you will pay a higher amount toward principal and less to interest.

Down Payment

The initial amount of money paid, outside of the mortgage, to the property’s seller. It lowers the amount of interest paid over the course of the home loan, the monthly repayments and provides lenders with a degree of security.

Purchase Fees

They are the transaction costs depending on the location of the property, including notary costs, real estate agent fees and tax. They range between 10%-15% of the purchase price of the property.

Annuity Mortgage

This is the most common type of mortgage in Germany with a constant payment each month. As you repay the load, the interest portion decreases and the repayment portion increases. You can pay up to 5% of the loan balance annually.

How to use our mortgage calculator?

1. Calculate
Learn how much you can borrow
2. See your options
Get personalized mortgage offers from 400+ banks
3. Get Expert Support
Speak to an experienced mortgage expert
4. Secure your mortgage
Relax and let us close your mortgage with the lender

How much can I borrow?

Buying a property is one of the most important decisions of your life, it’s natural that you’ve got a few questions. Do banks offer more or less financing depending on my residency status? How much will the bank lend me based on my income and down payment? What lenders does LoanLink work with? Does Germany have specific rules in place that are unique from other places?

To alleviate some of your concerns, we have developed a list of answers to your most pressing questions regarding home loan, packed with advices for first-time home buyers and investors alike.

And make sure to use our range of calculators to compare loan rates, repayment and fees calculations.

Residency status:

The maximum amount you can borrow in Germany depends on your residency status.

Live and work in Germany: up to 100% of property value is possible. However, 50 to 60% debt funding will get you the best interest rates

Live and work abroad: up to 70% - 80% of the property value is possible

With our mortgage calculator, we can give you a rough idea of how much you can borrow. Head over to our mortgage page to find out what you can expect to borrow in Germany.

Why buy in Germany now?

A robust housing market and overall low interest rates make mortgage payments attractive now. Germany continues to establish its position as one of Europe’s and the world’s safe havens.

Germany’s currently low interest rates are ideal for buyers. Interest Rates in Germany have dropped from 5% in 2008 to 2% in 2018.
Germany’s currently low interest rates are ideal for buyers. Interest Rates in Germany have dropped from 5% in 2008 to 2% in 2018.
Germany’s currently low interest rates are ideal for buyers. Interest Rates in Germany have dropped from 5% in 2008 to 2% in 2018.
German Mortgage Calculators
Tips and tricks for expats, Blue Card holders and foreign investors.
Mortgage repayment calculator
What is my monthly repayment?
Mortgage fees calculator
How much will I pay in fees?
Affordability calculator
How much can i afford?
Mortgage rates calculator
What are the German mortgage rates?

Mortgage 101 - all you need to know

The LoanLink guide to buying
property in Germany
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How to Get a Mortgage
Without Equity in
Germany?

How Much Are Real
Estate Purchase Fees in
Germany?

Can I Get a Mortgage in
Germany with a Blue
Card?

How to Get A Mortgage
in Germany?

What is my monthly repayment?

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