Specialist mortgage advisory · Germany-wide · English-speaking
German mortgage after divorce — what to do now.
Separation is stressful enough. The question of what happens to your joint German mortgage should be answered quickly and clearly — without detours, without unnecessary losses.
Thomas Brauner
Mortgage adviser
"I advise you personally — no call centre, no automated system. Confidential and free of charge."
Why act now
Waiting costs — in time and money
When you resolve the mortgage determines your costs and options. The earlier you act, the more room to manoeuvre you have.
Early repayment penalty
of the loan amount — in many cases fully avoidable with the right approach
Real estate transfer tax
on transfers during the separation year — after divorce this advantage is permanently lost
to a solution
with professional support — instead of months of uncertainty and joint liability
Your time window — earlier is better
Separation year
Best option — tax-free transfer, full flexibility
Divorce proceedings
Still possible — more effort, limited options
After the divorce
Real estate transfer tax applies — costs rise noticeably
Two ways to resolve a German mortgage after divorce
Which path fits your situation? Both lead to a clean resolution — the right choice depends on your finances and goals.
Important for Option 1
Removing the ex-partner from the mortgage: a key step when keeping the property
If one partner keeps the property, buying out the other is not sufficient on its own. The ex-partner must also be released from the mortgage agreement. As long as both remain in the loan contract, both are liable to the bank — even if only one stays in the property.
The bank checks whether the remaining borrower can carry the mortgage alone. Depending on the situation, a change of borrower, release from liability or refinancing may be required.
Read more: Remove ex-partner from mortgageHow we work
Three steps — from assessment to solution.
Free initial consultation
You describe your situation — confidentially, with no obligation. We listen and ask targeted questions about the mortgage, property value and the outcome you are looking for.
Analysis & calculation
We calculate your concrete options: buyout amount, possible early repayment penalties, credit rating for sole financing, alternative lenders with better terms.
We handle the communication
You do not need to negotiate with your bank yourself. We lead the discussion, apply for the contract change and guide you through to the final signature.
Your adviser
Thomas Brauner
Independent mortgage adviser · Available across Germany
I advise people in exceptional life situations — divorce, separation, new beginnings. No call centre, no automated system. You speak directly with me. Confidential, without pressure, with the goal of finding the best solution for you.
300+
Lenders compared
15+
Years of experience
100%
Discreet & confidential
Frequently asked questions
Let us find a solution together.
The first consultation is free and without obligation. No call centre — you speak directly with Thomas Brauner.
Discreet · Confidential · No credit check in the first consultation