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Broker for expats

Mortgages, loans and insurance for expats in Germany

I came to Germany with no German and no financial knowledge — I know how that feels. With 26+ years of experience, I help international professionals make confident decisions in plain English, German or French.

International financial advice for expats worldwide
Isabelle Helme, independent financial advisor for expats

Why choose me?

Thirty years ago, I came to Germany from France as a young student. I barely spoke German, had no knowledge of the financial system and often felt lost.

That is exactly why I understand the questions and concerns of my international clients so well today. Now, as an independent financial advisor registered with IHK Rhein-Neckar, I combine personal experience with professional expertise — in English, German and French.

  • 26+ years of professional experience since October 2000
  • Certified mortgage broker and insurance broker, registered with IHK Rhein-Neckar
  • Advice in English, German and French
  • Office in Hemsbach, just off the A5 between Darmstadt, Mannheim and Heidelberg

My services for expats

Germany's financial system can be complex. I make the process simple, explain everything clearly and guide you step by step.

Mortgage advice for expats in Germany

Mortgage advice for expats in Germany

Independent mortgage advice for expats who live and work in Germany — clear support, personal guidance, and financing that fits your situation.

  • Mortgage planning and financing questions
  • Support through the property purchase process in Germany
  • Guidance on documents, equity and lender requirements
  • Personal advice tailored to your income and property plans
  • Clear explanations in English, German or French
  • First home or long-term property purchase
Insurance for expats in Germany

Insurance for expats in Germany

Independent insurance advice for expats who live and work in Germany — personal support, tailored solutions, and a free app.

  • Independent insurance broker in Germany
  • Personal advice tailored to your situation
  • Comparison of suitable insurance solutions
  • Free app for digital overview and documents
  • Clear explanations without unnecessary complexity
  • Support for expats building a life in Germany
Property investment in Germany for expats

Property investment in Germany for expats

Rental property and buy-to-let financing for expats who live and work in Germany — from property selection to financing.

  • Buy-to-let and rental property in Germany
  • Property financing for expats
  • Investment property consulting across Germany
  • Guidance on financing, selection and the investment process
  • Long-term rental income and wealth building
  • Rhine-Neckar region and nationwide online advice
Isabelle perfectly handled our mortgage. As expats, we were uncertain, but she explained everything clearly and found the best deal for us. Highly recommended!
Client review on ProvenExpert

Who I work with

Fee-free. Independent. Personal. Whether you are renting, buying property or planning your financial future, I help you understand your options and choose the right solution.

  • IT specialists joining German tech companies
  • Scientists and researchers at universities and institutes
  • Doctors and medical professionals starting practice in Germany
  • Engineers in automotive, manufacturing and tech industries
  • International employees and families relocating to Germany

Why my clients recommend me

Top rated

153 client reviews rated Excellent on ProvenExpert.

Clear explanations

No jargon — plain language in English, German or French.

Fully independent

Comparison across more than 500 banks and 400 insurers.

Real solutions

Even for difficult cases — 26+ years of experience pays off.

Always reachable

Video consultations and a free app — no endless waiting.

Free of charge

No hidden costs and no obligations.

What my clients say

Outstanding advice, fair rates and always available — with top ratings on ProvenExpert, I am one of the highest-rated financial advisors in the Rhine-Neckar region.

Top expertise, unbeatable personally. After three rejections from other banks, Isabelle made it happen. You can tell she has 26 years of experience!
Client review on ProvenExpert
Independent advice without pressure. She presented several options and we could decide calmly. Exactly what you need!
Client review on ProvenExpert
Online consultation worked great! Even remotely, you feel personally cared for. Very professional.
Client review on ProvenExpert
As a single parent, I thought I would never get a loan. Isabelle believed in me and made the financing possible. Thank you!
Client review on ProvenExpert
  • Clear explanations — no jargon, plain language
  • Real solutions — even for difficult cases
  • Independent and transparent — your interests first
  • Always reachable — no endless waiting
  • Experience pays off — 26+ years of expertise

4,96

out of 5,00

153 satisfied clients on ProvenExpert

About Isabelle Helme

Since October 2000, I have been guiding clients through property finance, insurance and investments.

I run the Baufi24 representative office in Hemsbach and advise independently via Baufi24 and blau direkt.

My qualifications

  • European Master in Business Sciences (University of Mannheim)
  • Three years of training at major financial services provider MLP in property loans, insurance and investments
  • Certified specialist for mortgage brokerage (geprüfte Fachfrau für Immobiliardarlehensvermittlung)
  • Mortgage broker under § 34i GewO
  • Insurance broker under § 34d GewO
  • Registered with IHK Rhein-Neckar

Make confident decisions from day one

Book a free consultation and get clear, independent advice in English, German or French.