Financing your property

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If you want to finance a property, you've come to the right place. Because we not only offer you real estate financing with the perfect fit, but also comprehensive information on all aspects of your financing. Whether you're looking for a property as an investment or want to fulfill your dream of owning your own home - we have all the information you need. You can find a few basics right here. You can find more in the text below.

Construction Financing

If you don't have hundreds of thousands of euros in your bank account (and honestly, who does), you'll need to finance a property. Fortunately, you have a few different options at your disposal. Here we explain what they are and how you go about it.

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Follow-up financing

Is your mortgage due to expire in a few years? Then it's time to look for the right follow-up financing. Find out what it looks like and how you can secure the best deal right here.

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Real estate loans for foreigners

Can foreigners invest in German real estate? The answer is clear: Yes! Here you can find out what you have to pay attention to and which rules apply to whom.

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Interim financing

Your capital will be paid out later, but you need it ASAP? Looks like you might require interim financing to replace your equity capital temporarily. Click here to learn more.

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Refinancing: How it Works & Options

Do you own a property and need money for renovations, modernization or other financial bottlenecks? One way to free up capital without having to sell the property is to take out a follow-up loan. We explain exactly how this works, when it makes sense and what you should look out for.

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Does it make sense to finance a property?

Yes, even though many banks require you to have 20% equity or more, it is still possible to obtain real estate financing without equity if you are investing in a property. However, it always depends on the property, your financial situation and your goals.

Or to put it another way: there is no right time, only the right deal. In any case, it makes sense to draw up a budget calculation first to get an overview. Or would you prefer to talk to our financing professionals first?

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What is the best way to finance a property?

If you want to finance a property, you should definitely turn to professionals. After all, you want to find the best solution for you. But there is no one solution for everything. Whether an annuity loan is best for you, whether you should opt for a combination of a loan and savings contract or whether a KfW loan is suitable for your financing depends on a variety of factors.

Your financing broker will usually draw up an interest calculation and repayment plan tailored to your financial situation and the property you want to buy. If you would like to rent out the property, the expected rent will be taken into account, as well as your costs for house maintenance and reserves. You will then receive an amount that you have to pay each month. This is then covered as far as possible by the rental income. The extent to which you should pay attention to the right to unscheduled repayments in your loan agreement also depends on your situation. Our experts will explain what is important here.

Your loan commitment & the loan agreement

Most real estate buyers finance their property. After the bank has checked your creditworthiness, you will ideally receive an envelope with the loan commitment and the loan agreement. We have written down here what the envelope should contain and what components such a loan agreement actually consists of. 📝👇

Online calculator: Calculate your rental income & cash flow or check your options

Once you have drawn up your budget and know your financial options, you can start calculating. Depending on your rental income, you can calculate your monthly cash flow. So can you cover your monthly installment right from the start with your rental income? On the Urbyo marketplace, you will find a calculator for each property that you can use to work out your investment.

Take a look at the Urbyo marketplace

Here you will find pre-checked properties. You can also calculate your return on investment for various financing scenarios.

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By the way: If you rent out your property, the interest costs are tax-deductible. It's best to calculate your property a little and see what's in it. But even if you don't have a specific property in mind yet, you can calculate here what is roughly possible in your situation and on what terms. This will give you a rough initial overview. 👇

Financing real estate: What documents does the bank need?

If you want to finance a property, the bank needs a lot of documents. But don't worry. You have most of them anyway. You just need to gather the required documents. This includes a lot of personal data such as your ID, but also information about your credit rating and the property you want to finance.

Exactly which documents you need also depends on the constellation in which you want to finance. Sounds complicated, but we have a clear checklist for you. If you have this complete, your bank interview will go much better. 👇

Financing checklist

Several documents are required for a financing application. We have compiled a checklist with all the necessary ones, so you don't lose track.

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If you have already taken out a loan, the bank will also want to see proof of this and will also want to know whether you are subject to insolvency proceedings or whether there have been any seizures of assets against you by a bailiff in the last five years. They will also be interested in your credit rating.

Last but not least, the bank checks the value of the property you want to buy. With all these checks, the bank secures itself in case you can no longer service the installment at some point. Because then the property goes into foreclosure. This also gives you the final assurance that the purchase price of the property is reasonable or whether it is better to renegotiate the purchase price.

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Finance and profit from a rented property

In many cases, it makes sense to finance a rented property as an investment. For pure investors who want to build up a portfolio, this is a no-brainer anyway. However, a second property can also make sense for homeowners as an investment to build up assets or for retirement provision. This is because, unlike financing your own home, you can deduct the costs of real estate used by third parties from your taxes.

But it gets even better: ideally, your monthly installment is largely or even completely covered by the rent. Your tenant therefore contributes to your private retirement provision. And because rents are dependent on inflation, among other things, you have invested your capital in an inflation-proof way. Once again, there is never an absolutely right time, but there are the right deals with the right financing.

Whether you get the financing naturally depends on factors such as your equity ratio and the loan-to-value ratio. However, our financing professionals will find the right solution for every case and will also explain to you how you don't have to worry about issues such as subsequent collateralization. And when it's time for your follow-up financing, they'll also be on hand.

Financing your existing property without equity

But what if you don't have much or any equity? Can you then forget about financing a property? No, not necessarily. Urbyo can also help you if you have particularly high capital requirements for your property purchase, and you can of course also get 100% financing or full financing for your property purchase.

If you have no equity, 110% financing (or full financing) is an option. In addition to the entire purchase price, you also finance all ancillary purchase costs. With 100% financing, you must at least contribute the ancillary purchase costs as equity.

Construction financing without equity

No equity = no real estate? Not necessarily. In some cases, you can finance a property without equity. We explain how that works here.

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Independent advice with experience: Urbyo financing with the perfect fit

If you want to finance a property, Urbyo is the right place for you. We also take care of difficult cases. Our financing team not only has a network of over 1,400 banks and will always find the best offer for your situation, but will also find optimal solutions in every constellation - whether 110% financing, financing for capital investment or for your own home or real estate financing for foreigners.

You want to know
what you can afford?

Just make an appointment with us!

Schedule a call now

FAQ Financing