Buying Property in Germany: Step-by-Step Guide for Expats & Foreigners

Buying a home or investment property in Germany is exciting, but it can also be confusing: different taxes, strict banking regulations, mandatory notaries, and a maze of paperwork. This guide walks you through the process in clear English, especially if you’re an expat or non-resident buyer.

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Note: This guide is for information only and not legal or tax advice. Always consult a qualified professional for your specific case.

Start here: key topics for buyers

Costs & taxes

Understand all the extra costs and taxes beyond the purchase price.

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Mortgages & finance

How German mortgages work for expats and what banks expect.

Learn about mortgages

Legal process

What the notary does, how the Grundbuch works, and what you actually sign.

Understand the legal steps

How the buying process works in Germany

In most cases, the process follows a predictable sequence. Knowing the order helps you avoid rushed decisions

Clarify your budget & financing options
Decide how much you can invest, how much equity you have, and what a realistic monthly payment is. Speak to a mortgage advisor early.
Get a mortgage pre-assessment
Many buyers talk to banks or brokers before they start searching. A pre-check makes you more credible when you make an offer.
Search for properties & shortlist
Use major portals, local agents and networks. Compare asking prices with current market data and recent sales where possible.
Viewings & due diligence
Visit properties, check condition, ask for energy certificates and building documents. Take notes and photos.
Offer and negotiation
If you like a property, make a written offer (often via the agent). Be ready to show proof of funds or financing.
Notary appointment (Kaufvertrag)
The notary drafts the purchase contract, explains it at the appointment and reads it aloud. Both parties sign in front of the notary.
Registration & payments
After signing, you pay taxes, notary fees and the purchase price according to the contract, and the property is entered into the land register (Grundbuch).
Handover & post-purchase tasks
You receive keys, take meter readings, update insurance, and if you’re renting the property out, start the letting process.

👉 Detailed timeline: from first viewing to handover →

What does it really cost to buy in Germany?

The purchase price is only part of the picture. Buyers typically pay an extra 7–12% on top of the price in taxes and fees, depending on the federal state and whether a buyer’s agent is involved.