Expat Mortgage - Germany
Germany hosts a significant British expat community concentrated in financial services (Frankfurt), tech (Berlin, Munich), and the automotive sector (Stuttgart, Munich).
UK mortgages from Germany
Euro income from German employers is well-accepted. Post-CRD VI, the specialist lender shortlist has narrowed - we confirm current acceptance for Germany-based applications at the time of enquiry.
The options we compare
Germany BTL Expat
UK buy-to-let from Germany. Post-CRD VI lender shortlist confirmed at enquiry. EUR income. German employment income well-understood by specialist lenders.
German Income Evidence
Gehaltsabrechnung (payslips) and Steuerbescheid (tax assessment from Finanzamt) are the primary income evidence for Germany-based expats. Well-understood by specialist UK lenders with Germany experience.
Frankfurt Finance Professionals
UK expats in Frankfurt's financial services sector - banking, asset management, insurance. Often high EUR salaries with bonus components. Complex income structures assessed by specialist lenders.
Berlin and Munich Tech Expats
UK expats in German tech companies (particularly Berlin and Munich startup ecosystems). EUR salary plus equity components (ESOPs, phantom shares). Specialist income assessment for tech sector compensation.
Self-Employed / Freelancer (Freiberufler)
Germany has a well-developed freelance sector (Freiberufler). UK expats working as Freiberufler in Germany. Income evidenced through Steuerbescheid and bank statements. Specialist lenders assess German freelance income.
Remortgage from Germany
Remortgaging a UK property from Germany. Post-CRD VI alternatives confirmed. Full remote process.
How We Help
Germany confirmation
Current lender shortlist for Germany confirmed at time of enquiry.
Income documentation
Gehaltsabrechnung, Steuerbescheid, bank statements (3-6 months). We advise on exact requirements.
Application
Managed with appropriate lender for Germany.
Remote completion
Full remote process. German notarial certification if required.
Speak to our international mortgage specialists
Call 0204 6211776 · Whole-of-market access · All expat locations · FCA No. 814533
Frequently asked questions
Can I get a UK mortgage while working in Germany?
Yes - Germany is a standard country on specialist expat lender acceptance lists. Post-CRD VI, the shortlist is narrower than before, but specialist alternatives to Skipton remain. EUR income from a German employer is accepted. We confirm current lender acceptance for Germany at the time of enquiry.
Is the Steuerbescheid accepted as income evidence?
Yes - the Steuerbescheid (annual tax assessment from the Finanzamt) is the standard German income evidence equivalent to a UK P60 or self-assessment return. Specialist lenders with Germany experience accept it alongside Gehaltsabrechnungen (payslips) and bank statements.
I work in Frankfurt in financial services with a significant bonus. How is this assessed?
Bonus income from Frankfurt-based finance roles is assessed over 2 years - the average of the last two years of bonus payments, evidenced through bank statements and the Steuerbescheid. Fixed contractual salary is assessed in full. The EUR income haircut (typically 15-20%) is then applied to the combined figure.
I am a Freiberufler (freelancer) in Germany - can I get a UK mortgage?
Self-employed Freiberufler income in Germany is assessed similarly to self-employed income from any overseas country. Two years of Steuerbescheid plus corresponding bank statements showing income are the core evidence. The total taxable income figure from the Steuerbescheid is the primary income reference.
What SDLT applies to Germany-based buyers of UK property?
Germany-based buyers are non-UK residents. The 2% non-resident SDLT surcharge applies. For BTL purchases, this stacks with the 5% additional dwelling surcharge and standard rates. We calculate the full SDLT liability before application.