01 · Key points
What matters for this topic
Calculate net rental yield realistically
Deduct costs not recoverable from tenants
Allow for vacancies and repairs
Separate financing from tax advice
02 · Be prepared
Points you should not underestimate
- Looking only at gross rent
- Misclassifying service charges
- Relying on future rent increases
03 · Documents
Commonly required documents
The documents actually needed depend on the lender, your plans and personal circumstances. The following are often useful for preparation:
04 · Practical example
What an assessment might look like
Non-recoverable service charges and renovation needs can significantly reduce the benefit of high gross rent. Financing therefore needs a genuine liquidity buffer.
This example is illustrative only and is not a mortgage commitment or quotation of terms.05 · Frequently asked questions
Questions about Rental properties
Does the bank count all rental income?+
Often only a lender-specific share is counted to allow for defaults and costs.
Can I buy an investment property without equity?+
This depends heavily on creditworthiness, the property and total assets and warrants particularly conservative assessment.
Important information
The information on this page is general. It does not replace individual mortgage, legal or tax advice and is not a binding credit commitment. Requirements and terms are assessed individually.