How German nationals and Germany-based high-net-worth individuals who own property in Aspen, Manhattan, Miami, Los Angeles, and across America's premium real estate markets can release the equity they have built — without German corporate structures, EUR income, and the AUM conditions of German private banks blocking access to their own American property wealth
Germany's high-net-worth community has a specific and well-documented relationship with American real estate that reflects both the historic Deutsche Mark-to-dollar appreciation windows that made American property accessible in German currency terms and the lifestyle logic of German high-net-worth buyers who value the combination of outdoor recreation, cultural infrastructure, and capital safety that American premium resort and urban markets offer.
German buyers in Aspen come from the same community that owns in Kitzbühel, Gstaad, and St. Anton, the German-speaking Alpine ski resort tradition translates directly to the Aspen context, and German high-net-worth buyers who established Aspen positions in the 1990s and early 2000s at prices between USD 1.5 and 4 million are now holding assets worth USD 10 to 30 million or more for the most significant holdings.
Beyond Aspen, German high-net-worth buyers have established consistent positions in Manhattan, where German financial services and industrial corporate presence in New York has created decades of executive residential investment, and in Miami, where the German-speaking community has been among the most consistent European buyer groups in the Brickell and Miami Beach markets.
The German equity release barrier closely mirrors the French barrier: German high-net-worth individuals frequently hold the majority of their wealth through German GmbH or AG holding companies, family holding structures (Familiengesellschaft), or offshore entities that hold minimal declared personal income. The personal income shown on the Einkommensteuererklärung (German tax return) does not reflect the actual economic capacity of the German high-net-worth borrower, and US mortgage underwriters who assess only the personal return produce loan amounts that are entirely disconnected from the borrower's actual wealth.
GMG assesses the property and the exit strategy. No German holding structure needs to be unwound. No AUM needs to be consolidated. The equity release is provided on the basis of the US asset.
This is the Unlocked in America: Saudi Arabian High-Net-Worth Owners of US Real Estate guide part of the Unlocked in America series by Global Mortgage Group and America Mortgages.
GMG's Equity Release Solution for German High-Net-Worth Owners
- Loan size: USD 500,000 to USD 100,000,000+
- Term: 6 to 24 months
- LTV: Up to 65–70% of independently appraised US market value
- Interest: Retained or rolled up, no monthly payment
- No AUM requirement
- No US credit history or SSN required
- EUR income through German GmbH, AG, Familiengesellschaft, and other German holding structures, considered within asset-led assessment without requiring restructuring
- Security: Aspen, Manhattan, Miami, Los Angeles, Napa Valley, and all major US markets with significant German high-net-worth ownership
- Timeline: Term sheet 24–48 hours; drawdown 10–20 business days
Contact Donald Klip
Email: [email protected]
Phone: +65 9773-0273
Website: gmg.asia
America Mortgages: americamortgages.com
