About
Property consulting for Indian expats in Germany.
Honest, personal, and entirely on your side.
"Buying property in Germany is one of the biggest decisions of your life. You deserve someone who speaks your language, understands your situation, and is entirely on your side — not the seller's, not the bank's. Yours."
— Shiwali Kathpal, Founder
The German property market is one of the most opaque in Europe. There is no public price database. Asking prices are routinely 10–20% above market value. The Makler represents the seller, not you. The Notar is neutral — not your advocate. The WEG documents, Grundbuch extracts, and Teilungserklärung that determine whether a property is actually worth buying are all in dense legal German — and nobody explains them to you.
For Indian expats, this is compounded further. German banks assess Indian income structures, visa types, and credit histories differently. A fixed-term employment contract can affect your mortgage eligibility. A thin Schufa profile — common if you have been in Germany less than three years — is penalised by lenders who have never dealt with an Indian professional before. The closing costs alone — Grunderwerbsteuer, Notar, Grundbuch, Makler — add up to 10–12% on top of the purchase price, and most buyers find this out too late.
And unlike a German buyer, you do not have a parent who has done this before. You do not have a cousin in banking or a family friend who knows a reliable Makler. You are navigating one of the most complex financial decisions of your life, in a foreign language, in a system that was not designed with you in mind.
A.N. Immobilien exists to close that gap. Not as a technology product, not as a generic agency — but as a personal advisory service from someone who understands both the German property market and what it means to navigate it as an Indian expat.
Shiwali — mother, long-distance cyclist, and property consultant.
