You are an Expat living in Germany and looking to buy?

How do you secure the best mortgage options?

Finding the ideal financing for your dream property requires careful planning and analysis of your financial situation. To support you in this, the experts of Hypofriend will explain you the different types of real estate loans and financing options available to you in our next Berlin Real Estate Talk. These includes mortgage loans, building society loans, KfW subsidy programs and other specific offers from your bank or financial institutions.

Hypofriend is a leading digital mortgage broker and the expert for expats. They have brokered over 1 BLN EUR and are working with over 750 banks all over Germany. Take advantage of this opportunity and participate in our free real estate talk.

We will answer the following questions, among others:

• How do I secure a mortgage in Berlin as an international client?
• How do I find the right person to talk to?
• Who are the main banks I need to talk to or is it better I use an independet broker?
• How much do broker charge?
• How do I know that the price is right when buying in Berlin?
• How does the purchase process work?
• Can I reserve a property?
• How long does it take before my bank will confirm the loan?
• What are my risks in the process?
• I am not a EU citizen but live in Berlin. What kind mortgage rates to apply?
• How big does the deposit need to be?
• How I am protected when buying in Berlin off plan?
• What is going on with the energy regulations? What do I need to. be aware off?

We offer these free discussions to help you assess your situation and give you an idea of how to proceed. However, it is important to note that we can only offer limited information and insight within our conversations and they are not intended to replace comprehensive financial advice. If you have further questions or need clarification on a specific situation, you should contact an experienced financing advisor directly to discuss how to proceed.

Experts in our 45th Berlin Real Estate Talk:

Frequently asked questions

What are the “Live Events: Meet the Expert”?

The “Live Events | Meet the Expert” are free video chats with experts from the real estate industry. Here tenants, landlords, owners, buyers and everyone who is interested in the topic of “living in Berlin” can participate. Since it is sponsored by Black Label Properties, the experts are available to answer your questions free of charge.

You do not have to be a Black Label Properties customer; you can register via email by filling out our form and asking your questions. You will then receive the access link for the video conference. To participate, you need a computer or smartphone and internet access. The camera and sound remain switched off during the video chat. That means you cannot be seen or heard. However, you can see and hear the experts and can also ask questions live in chat.

If you would like your personal data (first and last name and email address) to be deleted after the conference, please send us an email with the information. We will not share your information with third parties.

How does a video chat work and what do I need to know?

We use the software Zoom. We have our own company account there so that your data cannot be viewed by third parties. Participants in the conference will receive an access code and a link beforehand. You only need a computer or smartphone, but no microphone or camera as you do not become active yourself visually or via audio. But you are welcome to enter questions online in chat.

What questions can I ask?

Every month there is a separate theme. The experts come from the real estate industry and each expert stands for his area. Example: Specialist lawyer for tenancy law for questions from tenants and landlords, specialist lawyer for building law for building owners, specialist lawyer for administrative law for building applications, financing broker for building finance, etc. Please inform yourself in advance about the experts and their skills.

Why does Black Label Properties offer this?

In addition to our brokerage activities, we manage and rent out apartments and apartment buildings. Clients often ask the same questions. We are also often confronted with things that cannot be properly answered by an estate agent or property manager. These questions concern, among other things, legal or tax aspects. But also financial issues related to housing and real estate are asked.

Some of our customers shy away from costs and the effort to contact the experts. But that is a mistake. Especially when it comes to your apartment, your home or your retirement, you should collect as much information as you can. In times of “social distancing” appointments with such experts are not easy to get. We want to lower the hurdles for everyone here so that more people can get professional information and get specific questions answered.