💡 “They Said It Wasn’t Possible” – But 75+ Blue Card Families Now Own Homes in Germany
Home Loan for Blue Card in Germany, with us – With German Sherpa
When we first started helping expats in Germany finance their dream home, the answer from banks was clear:
“You can’t get a mortgage with a Blue Card.”
But we didn’t accept that.
We knew the system could work – and we were determined to prove it.
Today, more than 75 families with a Blue Card have successfully bought homes in Germany.
With us. With German Sherpa.
We Challenged the Rules – And Opened the Doors
Most banks simply didn’t understand what the Blue Card meant.
Uncertainty around visa duration, employment security, and long-term residency blocked many otherwise qualified expats from getting financing.
So what did we do?
We created a tailored presentation and personally explained the Blue Card system to decision-makers at partner banks – its purpose, its strength, and the reliability of the professionals who hold it.
The result?
Banks changed their minds.
And our clients started receiving approvals.
✅ What’s Possible Now for Blue Card Holders in Germany – With German Sherpa
If you’ve been told that buying a home in Germany with a Blue Card is impossible – we’re here to tell you otherwise.
With our support, our expat clients have:
- Bought family homes and apartments across Germany
- Financed properties with 5–20% equity
- Secured top interest rates and long fixed terms
- Bought both new-builds and renovation projects
- Purchased solo or as couples, with or without permanent residency
Every case is unique – but with us, it’s more than possible.
📊 What is LTV – and Why Does It Matter?
LTV (Loan-to-Value ratio) shows how much of your property value the bank finances.
For example, if your home costs €500,000 and the loan is €450,000, the LTV is 90%.
The higher the LTV, the more risk for the bank – but with our guidance, many of our expat clients are still approved at 90–100% LTV.
Why? Because we know:
- Which lenders are flexible
- What documents to prepare
- How to explain your case clearly in the German system
That’s the power of having German Sherpa by your side.
🌍 What If You Earn in a Foreign Currency?
Another common myth:
“If you earn in USD, GBP, or CHF – no bank will lend to you.”
Again, we didn’t accept that.
We worked closely with select partner banks who now finance clients who:
- Earn in Swiss Francs (CHF)
- Receive salaries in US Dollars (USD)
- Are paid in British Pounds (GBP)
…and live in Germany, paying taxes here.
Whether you’re a cross-border worker, remote manager, or international consultant –
we’ll help you structure your application for success.
Why Work With German Sherpa?
We specialize in expats. That’s not a side offer – it’s our core mission.
We’ve helped engineers, doctors, researchers, developers, teachers, and consultants from over 30 countries buy their first home in Germany.
We speak your language. We explain the system. We guide you through every step –
just like a Sherpa on your financial journey.
We don’t send your application to 20 banks and hope for the best.
We strategically match you with the right partner – with the right presentation – at the right time.
That’s what makes the difference.
With us – with German Sherpa.
🏡 Ready to Buy a Home in Germany?
If you’re on a Blue Card or earn in a foreign currency, and you want to buy a home in Germany:
📅 Book your free digital strategy meeting with Marcel from German Sherpa.
No pressure. Just honest advice – and a path forward.
Let’s find out what’s really possible – together.
