Use our Glossary to understand the different German mortgage terms and definitions



Each bank has its own approach to determining the loan-to-value ratio. Some banks use the purchase price requested by the seller as the valuation. In this case, the calculation of the loan-to-value ratio is simple. If you set 10% equity capital in relation to the purchase price of the real estate, the loan-to-value ratio is 90%. However, many others first deduct 10% security margin and then set the desired loan amount in relation to this value. In such a case, an equity investment of 10% would still mean that the bank assumes 100% financing.

About us

Your German Mortgage is not only a mortgage broker - we are trusted advisors from MLP, Germany's leading independent financial consulting company based in Berlin. We have more than 25 years of experience in financing property, and we are the first consultants to offer an online mortgage service for expats in Germany.

+49 30 28 39 3136

Mon - Fri 8.00 - 18.00

Saturday and Sunday closed