For many years, buying property in Germany meant borrowing at close to 1 percent. Today the 10-year rate sits near 4 percent, while prices across the board are slow to adjust. That combination changes the maths of buying, and above all it changes how a mortgage should be structured.

Join finbird for a free 45-minute webinar on how to buy and finance property in Germany in a higher-rate market. finbird's founder Daniela Kögel walks you through the process expats use, with real examples and time for questions.

Your path to owning property in Germany: a live webinar for expats. Join the webinar for effective property search strategies, practical financing guidance and an interactive Q&A.

The property purchase process in Germany

Buying property in Germany follows a clearly structured process. In this part of the webinar, your host explains the key steps, from the search to notarisation.

This includes:

• Property search and market analysis
• Viewings and due diligence
• Price negotiation
• Property financing in Germany

An adjusted financing structure is essential, and in a higher-rate market it is what separates a sound purchase from an expensive one. The webinar shows which financing instruments are available and how to find the structure that fits your project.

This includes:

• Equity requirements and loan-to-value (LTV) ratios
• Annuity loans and repayment structures
• Fixed-rate periods and refinancing risk
• Government subsidies and KfW programmes

Webinar programme

• Welcome and introduction: an overview of the webinar and your host
• The buying process: step by step through purchasing property in Germany
• Financing options: how to structure financing in a higher-rate market, and what to watch for
• Case studies: real examples from finbird's advisory practice
• Q&A: your questions answered live

What you need to know about the webinar

The webinar is for anyone looking to buy or finance property in Germany, whether it is your first purchase or you already have experience. You can arrange a personal consultation with finbird afterwards.

• When: October 20, 2026, at 3pm (CEST)
• Where: online
• Ideal for: expats (and non-expats) planning to buy property in Germany
• Language: English
• Cost: free (registration required)

Your host

Daniela Kögel is the founder and Managing Director of finbird, a licensed mortgage advisory firm helping expats buy and finance property in Germany. She advises private and professional clients on structuring property financing, drawing on a background in corporate finance and M&A.

finbird builds a tailored financing concept for your situation and supports you throughout the purchase.