Expat Mortgage - 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. The specialist broker confirms current lender acceptance for Germany at the time of enquiry.

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.

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 10-20%) is then applied to the combined figure.

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.

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. The specialist we introduce you to calculates the full SDLT liability before application.