Discover the magic of real estate – lower your income tax, build wealth.
Transform your income tax into property equity. We help internationals in Germany invest in real estate with complete transparency.
Free. No card required.
Don'tthinkofbuyingpropertyjusttoliveinit.InvestinginpropertyinGermanycandramaticallyreduceyourincometax,generatecashflow,andbuildequityovertime.Here'show:First,understandthetaxbenefits.Thenfindtherightproperty.Evaluateitagainstalternatives.Finally,buywithconfidence.
Property as an investment
At an annual income of €, buying a property worth €, with 100% financing at interest, 1.5% repayment and depreciation of 5% degressive, with eligibility gets you this...
€19.213
annual tax savings
Tax Impact
assuming conservative rent and appreciation of the property. The financing heavily depends on your financial situation and the property itself.
The right property for your goals and situation
Check affordability
Put your annual income, residency and employment status amongst other preferences.
Get recommendations
Look at real properties and their tax and cashflow impact on your finances.
Review with an expert
Save properties you are interested in to your portfolio and get free 1:1 review calls with experts.
Different properties vs. other investments
Same initial investment → significantly more wealth with real estate after 12 years
| Metric | Real Estate | ETF |
|---|---|---|
| Initial Investment | €36k | €36k |
Net Wealth After 12 Years (after capital gains tax) | €379k +448% more wealth | €69k |
Key insight: With the same €36k, real estate builds €310k more wealth thanks to leverage, tax benefits, mortgage paydown, and tax-free gains after 10 years.
Click the percentages above to adjust growth assumptions. Based on your inputs from the calculator above.
Directly from developers, save your buyers commission
We partner with developers directly to ensure
- No buyer commissionUnlike traditional agents, we don't charge buyers
- Tax-optimized selectionOnly properties qualifying for enhanced depreciation
- Developer relationshipsAccess to off-market new builds before public listing
- Wealth-building focusProperties selected for long-term equity growth, not quick sales
– we charge sellers, not buyers.
Illustrations of properties we have available right now. Create an account to explore how they would change your taxes and cashflow.
Learn how to swap inevitable income tax for real estate.
Free. No Card required.
Real people, real properties
Kristine
Australia
"Real estate came up, and I was flabbergasted by the calculation - positive cashflow, tax benefits, building wealth without using my own capital… why wasn't anyone talking about this? Alex guided me through the numbers, I verified with my own research, and it seemed like a no-brainer. We found a €250k apartment, and I went for it. Four months later, I bought another in Frankfurt for €600k."
"Four months later, I bought another in Frankfurt for €600k"
Marieke Neleman
Netherlands
"I found Financemate through Google as I needed advice on pension/investment for starting freelance. He explained everything clearly and provided a tailored solution for me. I can recommend Alex to anyone seeking help with finances while also wanting to become more knowledgeable about the topic."
"explained everything clearly and provided a tailored solution"
Ruwen Bussinger
Germany
"I admit it, I'm no expert. Alex (my Financemate) was the first consultant who suggested canceling products that no longer fit our needs and only recommended truly helpful ones. There was never any pressure, just an honest discussion about risks and preferences. I wholeheartedly recommend him as an honest sparring partner for financial decisions."
"an honest sparring partner for financial decisions"
FAQs
Property investing in Germany allows you to offset rental income against depreciation and interest costs, often creating a "paper loss" that reduces your taxable income while you build real equity.
Not necessarily. With 100% or even 108% financing (covering purchase price plus closing costs), many investors start with €0-30,000 in cash. Your income and creditworthiness determine your financing options.
In Germany, you can depreciate the building portion of your property (typically 80% of purchase price) over time. New buildings built after 2023 qualify for 3% linear or 5% degressive depreciation, plus potential Sonder-AfA (special depreciation) of 5% per year for the first 4 years.
Linear depreciation is a fixed percentage each year (2-3% depending on build year). Degressive depreciation (5%) allows higher deductions in early years, switching to linear when it becomes more favorable.
While higher incomes see larger tax benefits due to progressive tax rates, property investing can be beneficial starting from around €60,000 annual income. The key is positive cashflow after all costs.
We partner directly with developers to offer new-build properties that qualify for maximum depreciation benefits. This means no buyer's commission and properties vetted for investment suitability.
We offer free 15-minute consultations, help you understand your numbers, connect you with financing partners, and provide ongoing support through the purchase process.