Perini Finance & Property is an English-speaking mortgage broker in Germany for expats, non-residents and buyers whose income comes from abroad. The firm is licensed under section 34i of the German Trade Regulation Act (Gewerbeordnung) and advises clients across Germany from its office in Krefeld.
Many German banks turn down applications that don't fit their standard lending rules, such as living abroad, a salary in Swiss francs or US dollars, or self-employment with balance sheets instead of payslips. Perini compares hundreds of lenders and looks for the few banks whose rules accept your situation. Advice and the bank comparison are usually free for you, because the lending bank normally pays the broker's commission.
What expats should know: banks expect you to pay the purchase costs (property transfer tax, notary, land registry and agent) from your own savings, which adds roughly 8 to 15 percent on top of the price, depending on the federal state. If you plan to use KfW or federal state funding, the application has to be made before you sign the purchase contract.
- Languages offered: English, German, Russian, Spanish, French
- Website in English: Yes
- Support hours: appointments booked online; contact also by WhatsApp and email
- Good fit for: EU Blue Card holders and other expats living in Germany, Germans living abroad, non-residents buying an investment property, cross-border commuters
- Also covers: follow-up financing, KfW and federal state funding, financing for listed buildings
