We are your partner every step of the way in financing a property! After you've found a property to buy, the next step is financing — the part where first-timers have many questions, options, and uncertainties. But we're here for you — from the initial inquiry to closing the deal.

After we've checked the conditions of our 1,400+ banking partners, you choose the best offer.

Then we'll go ahead and submit all the necessary documents (that you provide beforehand).

The bank then checks all the information and sends you the documents directly — provided there are no objections to the financing. If you have any questions, we are at your service again and will answer all of them. Feel free to send us a message.

If everything is okay with you, the mortgage agreement will be sent back to the bank. And as a little loophole, you still have the 14-day right of withdrawal.

By the way, you can find the entire purchase process here. In our German-speaking podcast "Immobilien & Finanzierung einfach machen," you can learn more exciting tips. Just take a listen.

Investment properties should yield a return, of course. How high that return on investment can be depends, among other things, on your loan costs. Your loan costs are determined by the property and its location, your personal circumstances, and your invested equity.  

For us to give you the best possible forecast, we recommend filling out your Urbyo investment profile in as much detail as possible. In addition, you can directly calculate and display your potential equity and rental return for each property — not only in the short term but also in the long run.

And what about value development? With Urbyo's portfolio tracking tool, you can find out, too. 

Many buyers use the price per m² to compare the purchase price of one property with another. This sounds sensible at first, but it is usually a bit too short-sighted, because there are a large number of factors that have to be taken into account. Knowing and weighting these in order to then be able to correctly estimate the purchase price requires a lot of experience - or at least a very precise insight into the local markets. 

For example: the purchase price per m² for an attic apartment in Munich is difficult to compare with that of a ground-floor apartment in Goslar. With urbyo.com you don't have to do research. Our experts do the evaluation and assessment for you in advance. We want you to have the same chance to buy a property as anyone else - and never pay too much for it. That's why we only show you real comparable properties, our valuation and the appreciation potential. At Urbyo you will only find properties that are worth their stated price.  

That depends entirely on your equity, the your desired loan amount, your credit score and the bank in question. But there is a rough way to calculate it.

The answer in a nutshell: The amount you can borrow for a property is between 100 and 140 times your net household income. For example, if you have a net income of €2,000, a real estate loan of between €200,000 and €280,000 is realistic. Depending on how much additional equity you have at your disposal, you can make a rough estimate of your budget.

But there are of course other factors that influence this value. The bank decides how much you will ultimately receive as a loan. To do this, they prepare a so-called budget calculation for you and thus get an impression of your financial situation.
By the way, real estate that you may already own and that also provides a cash flow increases your possibilities. Expensive consumer loans, on the other hand, reduce your leeway.

With higher financing on a loan, the return on equity increases — as long as the rental income exceeds the cost of the loan. The whole thing is called the leverage effect. 

The three magic words: cash flow, rental yield, performance.
As soon as the cold rent is higher than your financing costs (i.e. interest and repayment), you generate an income surplus with the real estate investment. This is the cash flow. 

In addition, you benefit from the fact that your repayments reduce your outstanding loan amount every month. Only, the money for this doesn't come from you, but from your tenant.

In addition, with well-chosen real estate you profit in the long run from the general increase in value. 

You can also find out why a condominium as an investment is a real complement to stocks in our German-speaking podcast episode "Lohnt sich eine Eigentumswohnung als Kapitalanlage?" (Is a condo a worthy investment?)

Our Urbyo listings will tell you everything you need to know at a glance. We pay special attention to the following things:

Evaluation of the purchase price compared to the property

This is about how safe and profitable your investment in a particular property is. For this purpose, we compare the purchase price per m² with other similar properties. We also check whether any severe defects could influence your investment decision.
To look into the details, you can visit the property virtually anytime. 

Location & rental yield

We look for areas and locations where an investment in real estate is exciting. Have you never been to the city or neighborhood yourself? No problem. We will give you a comprehensive insight. We provide more data, starting with possible disruptive factors, the population forecast, and micro-location. On top of that, there's a video tour of the neighborhood.

Regarding rental yields, we look closer at the ratio of rental income to purchase price. Nevertheless, we advise you to take a closer look. 

Low yields are often a sign of low vacancy risk and high demand for housing. This is a relevant decision criterion for an investment over ten years or more.

We want you to be able to buy real estate easily and without complications. In order for you to do that more than once, we have to make sure that the properties on Urbyo meet high standards. But what does that mean? With our local teams, we take a look at the properties. We also look at the documentation for the properties and check location and yield factors. 

It may be that we rate a property as an income property because it generates a positive cash flow directly, for example, or as a value development property because it is in a very good location in a dynamic market. In addition, we check the bank value and the property valuations via VDP and Sprengnetter and the property's financing capability in advance.

Normally, we do not send appraisers to the properties. If we are not sure whether a property meets our criteria, we do not take it on. In addition, we also look at the owner's records to see if there are any indications of problems with the property. 

Despite all these measures: a property purchase is of course always associated with a certain financial risk. However, we try to keep this as low as possible.  

Banks can use your household budget calculation to determine how high your loan amount may be. Banks also work with different.

Your regular income and expenses are compared as a table in a budget calculation. When you apply for a loan to buy a property, the bank wants to ensure you can afford the monthly loan installment. Your expenses should therefore be lower than your income.

Your expenses include, for example, consumer loans that you may be paying off - for a car or similar. The more loans you have taken out and the more income you spend on other things, the higher the risk for a bank is that you will be insolvent. This affects the offers. I.e., you will then pay a higher interest rate.

If you want to buy a property for your use, a rough calculation of the monthly loan installment is relatively simple: It should be a maximum of 35% of the monthly net household income. The situation is a little different for investment property. Here, each bank calculates its flat rates and risk discounts to determine the loan amount and weigh its own risk.

At Urbyo, you can easily create your budget calculation and enter your income and expenses. This gives you a good orientation about your credit limit. And for our financial experts, your information is the basis for the financing requests to the credit institutions. 

You can also learn more about household budgeting in the German-speaking Urbyo podcast "Immobilien einfach machen."

We relieve you of any unnecessary tasks. This also includes the viewing.

Taking a day off to visit an apartment in another city that you don't even want to live in yourself? Doesn't sound very sensible, and it's also extremely exhausting. But the good thing is: We have the professionals on site who prepare everything for you. 

Wherever possible, you get a 360-degree virtual tour of the apartment. Of course, you also get photos of the property and can go on great neighborhood walks via video. So you get an overall impression of the property and its surroundings delivered directly to your screen. 

That way, you get all the information you need to decide on a property — without having to be there in person.

We are well connected locally, find off-market deals, and review all properties that come directly from sellers.  

When you log on to Urbyo, you won't be overwhelmed by hundreds of half-baked offers. You should always be able to make a good choice and find exactly the investment property that suits you and your budget. 

Therefore, only properties that are fundamentally suitable as an investment are listed on our platform. Through our good network in selected cities and regions, we always have an ear close to the market.

If you find and buy a property at Urbyo, we celebrate with you and say: Congrats! We're happy to guide you through the process. Simply because we think that everyone should be able to buy a property — or two, or three ... We don't ask for any money from you.

If you want to see what properties we have on our site, just register with us. 

Of course we have to earn money, but we get it from the bank. We work with over 1,400 banks and get a commission from them if the construction financing works out.

But don't worry, this doesn't mean that the commission is included in your financing and you pay more than you actually have to. Because we send the banks your documents ready to go, they save a lot of time and money. We just get a part of that. 

You won't get ripped off here. We check all objects on Urbyo before we release them for sale. Your security as a buyer is extremely important to us. For each property offered on urbyo.com, the seller must submit a number of documents, which are then checked by us. Only really solid objects come to our site. So you can be sure: Before the listings go online, we already know the properties very well. Fakes don't stand a chance. 

Due to their stable value, real estate is a popular investment for many people and is affectionately called "concrete gold." Here we explain why it pays to invest in real estate. As a real estate owner, you can profit from numerous advantages:

• Houses and land are generally very stable in value. They represent a tangible asset. 
  In many cases, you can cover the interest and repayments on a loan with the ongoing income from your rental income.

• Rent increases make it possible to increase your income as well.

• Value increases are very likely in the long run, which is good for an investment. 

• Real estate can be sold tax-free after ten years. That means you can then transfer your property to someone else tax-free.

• Depreciation lowers your taxable income.

• Your property can become an important component of your retirement provision.

It doesn't even matter if you live in a property yourself or if you simply buy properties as an investment: Urbyo makes it possible for many buyers for the first time to secure their own property as an investment. Use the building block "real estate" as a supplement for your asset development. Now you can!

We are convinced: Anyone who wants to buy real estate for investment should be able to do so. Urbyo is therefore there for everyone - whether you are an investment professional or a layman. With us you will get your investment property absolutely relaxed and fast.

Our mission is to make investing in real estate as comprehensible and uncomplicated as possible. That's why we map the entire process on our platform - from finding your favorite property to the notary appointment. Our experts are at your side every step of the way as advisors and contractors. Because: We take care of everything that annoys you.

And if you want to sell a property, you can do that just as easily with us.
By the way, in startup jargon we are also called a PropTech (property technology) company because of our services. With Urbyo, we offer you a new, modern digital solution in the real estate sector.

You can also find out more about our mission here. How the process works exactly, we explain here.