Buy rental property with an agent on your side
Mia gets to know your goals and situation, shows you properties you'd never find yourself, then helps you analyze them.
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Stories
Internationals bought more than €10M of rental flats with us. Khaled needed four weeks. Kristine bought two.
The problem
Property can work hard for you. Finding out is a second job.
One flat means around 22 numbers, a stack of German documents, and a feel for how rent, loan and tax play together. Portals show you photos. A chatbot guesses. So most people stop at the first search.
22 numbers. per flat. in German.
How Mia helps
Mia takes the second job.
She learns your income, your tax position and your goals. Then she runs every flat on our platform, or a listing you paste in, through our calculation engine. You see what it could cost you each month after tax, what happens if things change, and why.
I got you!
For every flat
Mia is your honest analyst and buying assistant, ready 24/7
before you read a single document
your pool
4 flats, 1 worth a lookpick one.
Mia's verdict
I ran this flat against your income and your tax position. It beats almost every comparable flat.
My verdict: Worth a look.
That is higher than 96 of 100 comparable flats.
- The rentVerified by the seller
- Your tax positionApplied
- 3 months empty, interest 6 %Still positive
Example flats and figures. Not financial or tax advice.
Go deeper
You ask “what if”. Mia shows you the numbers.
the scary questions first
you ask
Mia answers
This is the base case: the rent as listed, your tax position, a 10-year fixed rate.
- You add each month, after tax
- 120 €
- Tax back in 10 years
- 41.800 €
- A year on your cash
- 14,6 %
AI does not calculate. Mia sends every question to our calculation engine and tells you what came back.
Example figures for one flat. Not financial or tax advice.
Why not just ask ChatGPT?
A chatbot asks more questions. Mia gives you answers.
Mia never guesses the math or the data sources.
A general chatbot searches the web and returns a long, generic answer that ends by asking for your numbers. Mia takes about ten seconds: it loads German tax formulas, pulls comparable rents, sale prices and area data, runs your own numbers through the calculation engine, and answers with figures, a chart and every source. When you want a person, Mia brings in Karim, Daniel and Sven.
Example figures, for illustration only. Not financial, tax or investment advice. ChatGPT is a trademark of OpenAI. Financemate is not affiliated with OpenAI.
For buyers
Today you can run your numbers, see the flats and talk to an expert. Soon, Mia does it with you.
open beta soon
Example figure. Not financial or tax advice.
Good to know
Mia is an AI, and she can make mistakes
Mia's answers are written by an AI model. The figures come from our calculation engine, but Mia can still misread a question, a document or a listing, or explain a result wrongly. Check the numbers that matter to your decision, and ask one of our experts when you want a person to look. You decide at every step.
Questions about Mia
What is Mia?
Mia is Financemate's AI agent for buying rental property in Germany. She gets to know your goals and your numbers, searches apartments our property partner has screened, and shows you what each one does to your income and your tax, year by year.
When can I start using Mia?
Mia opens to a small group first. We invite people from the waitlist in small groups and email you when your place is ready. The one question after you sign up, where you are right now, helps us invite you at the right time.
Does the waitlist cost anything?
No. Joining the waitlist is free, and we only email you about the beta. You can unsubscribe at any time.
How is Mia different from ChatGPT?
A general chatbot searches the web and answers the general case. Mia runs your own numbers through our calculation engine, which was vetted by a tax advisor, and works with comparable rents, sale prices and area data. She never does the math herself: the engine does, and she explains the result with every source.
Can Mia make mistakes?
Yes. Mia is an AI, and like any AI she can get things wrong: misread a document, misunderstand a question or explain a figure badly. The numbers come from our calculation engine, and every answer shows its sources so you can check them. For anything that matters to your decision, one of our experts can look at it with you.
Where do the properties come from?
Our property partner sources and screens the apartments Mia searches, including off-market ones that never reach the portals. You can also bring your own: paste an exposé or a listing, and Mia runs the same numbers on it.
Can I talk to a real person?
Yes. When you want a person to check something, Mia brings in one of our experts, Karim, Daniel and Sven, who looks at your numbers with you.
Does Mia give financial or tax advice?
No. Mia shows you the numbers and explains them, but she does not give tax, investment or insurance advice, and Financemate does not act as a property broker or loan intermediary. Our partners do the regulated work, and you decide at every step.
Do I need to speak German?
No. Mia works in English and explains German terms when they come up. Our experts and partners work with you in English too.
Be one of the first to find with Mia
Beta places open in small groups. Leave your email and we tell you when yours is ready.