For Expats in Germany
Our average client receives €5,000 to €10,000 in additional tax refunds each year – while growing their wealth. Here’s how.
Most expats overpay without knowing it. We help you invest smartly, legally reduce your tax burden, and build long‒term wealth – with clear guidance and a personalized strategy.
It’s free. We review your current situation and show you how much tax you could legally get back – with zero risk and no obligation.
4.9 of 5 (147 Reviews)
Best of all...
We get results
Don’t take our word for it.
Bhuvin Bharat Thakker
€5,000 per year tax savings.
Engineering Manager
Naseef Mahmud
€6,817 in annual tax refunds and a €260,421 property that generates passive income.
Staff Engineer
David Lourens
€25,817 in annual tax refunds and a €350,421 property that generates passive income.
Staff Engineer
Evin Hughes
Bought his first property within 3 months — with 100% financing.
Management Consultant
Ashok Burra
11.62% profit per year, while he saves more than €3,000 in taxes every year.
Senior Product Manager
Pranjal Roy
€2,016 in taxes annually while his investment portfolio yields 11.47% per year.
Software Engineer
Patrick Bashala
€375,000 real estate investment (without a single euro invested) and €8,950,50 in annual tax refunds.
Assistant Vice President | Multi Asset Trader
Bhuvin Bharat Thakker
€5,000 per year tax savings.
Engineering Manager
Naseef Mahmud
€6,817 in annual tax refunds and a €260,421 property that generates passive income.
Staff Engineer
David Lourens
€25,817 in annual tax refunds and a €350,421 property that generates passive income.
Staff Engineer
Evin Hughes
Bought his first property within 3 months — with 100% financing.
Management Consultant
Why do we get the best results
on the market?
Focus on your specific situation
Other providers
They only sell high-commission products from a certain provider, focused on certain types of investments that do not save taxes — like a doctor who only recommends certain medicines, regardless of whether they are suitable or not.
Proper API
We tailor a property strategy that fits and recommend properties accordingly.
Bias
Other providers
They sell finance and tax savings products from a handful of people — offering a one-size-fits-all solution.
Proper API
We are independent and do not have to recommend anythings with high commissions in order to profit
Track Record
Other providers
Other providers Usually on the market for just 2–3 years and without Trustpilot reviews.
Proper API
10+ years on the market with a 4.9 TrustScore on Trustpilot.
International approach
Other providers
Most providers have hardly any experience in international wealth accumulation. There is a lack of knowledge on how to optimally build up assets, even if you leave Germany.
Proper API
We have hundreds of clients with a flexible, international investment and tax savings strategy, because they are likely to leave Germany at some point. We have also assisted many clients who have left Germany but continue to own property here.
This is how you can work with us
Since we receive a large number of inquiries, we unfortunately cannot accept everyone. We only work with individuals where we see the greatest potential for success. Here’s how it works:
Step 1
Fill out the questionnaire – Give us a few details about your current situation
Step 2
Potential Analysis – If your application looks promising, someone from our team will conduct a potential analysis with you.
Step 3
Strategy – In our initial consultation, one of our experts will develop a concept for your strategic tax-saving & investment strategy.
What happens in the
initial consultation?
Good preparation is half the battle. In our free initial consultation, one of our experts will work with you to develop your personal real estate strategy. Together, we’ll create a first draft of your investment profile, highlight what’s important for banks when purchasing properties, and plan how you can best use real estate to achieve your goals — whether that’s saving taxes, building passive income, or growing wealth.
How We Help You Invest Tax‒Efficiently in Germany
We help expats in Germany build wealth while significantly reducing their tax burden. Our holistic strategy combines a tax‒optimized, ETF‒based pension plan with profitable real estate investments. We take care of the entire process – step by step.
1
1.We Analyze Your Tax Situation
We begin by assessing your income, tax bracket, and financial goals to uncover your full tax-saving potential. This serves as the foundation for a personalized investment strategy designed to match your situation and maximize returns.
2
2. We Set Up a Tax-Optimized ETF Investment
We create a government-backed investment plan that invests in low-cost ETFs — fully tailored to your goals. Your contributions are tax-deductible each year, resulting in direct annual tax refunds. From setup and product selection to ongoing management, we take care of everything for you.
3
3. We Help You Invest in Real Estate – the Smart Way
In parallel, we screen the German real estate market and identify high-potential investment properties.
We assist with every step: due diligence, financing, and purchase.
You benefit from deductible expenses such as mortgage interest, depreciation, and operating costs – and potentially tax-free profits after 10 years.
4
4. We Combine Both Strategies for Maximum Impact
Our strength lies in the combination: The tax-optimized ETF plan reduces your taxable income, freeing up cash. That tax refund can then be used to build reserves or invest in real estate. You build two powerful pillars of wealth – fully coordinated.
5
5. We Plan Long-Term and Support You Continuously
We develop a long-term strategy with you — including exit planning, scaling your investments, and adapting as your life evolves. Our clients benefit not only from lower taxes and higher returns, but also from having an expert partner by their side.
Now is the time to act – don’t miss out on six figures.
Germany offers powerful tax advantages for expats — through both ETF-based investment plans and tax-efficient real estate strategies.
With the right approach, our clients save over €100,000 in taxes during their time in Germany — money that would otherwise be lost forever. It takes surprisingly little upfront capital to get started, and in return, you benefit from annual tax refunds, long-term asset growth, and full alignment with your financial goals. But without expert guidance, most expats miss out — unknowingly leaving thousands on the table every single year.
Our clients love us – here’s how much they saved and how much wealth they’ve built.
Here are some case studies from clients who used German tax laws to reclaim a significant portion of their paid taxes — while investing strategically and growing their wealth based on their individual tax rate.
€5,320 in yearly tax savings
We increased our annual tax refund by €5,320 through tax-optimized investments in ETFs and real estate. The annual refund is reinvested to accelerate wealth building. At the same time, a stock portfolio and a plan for further property purchases were developed to achieve financial freedom within 15 years.
Ashok - Project Manager, Indian
€10,148 in yearly tax savings
By purchasing two properties and making tax-optimized investments in ETFs, we increased our annual tax refund by €10,148. This financial advantage enables us to build equity much faster, allowing us to purchase one or two apartments each year. New tax benefits will arise and be reinvested, resulting in a large property portfolio while saving taxes in the five-figure range.
Evin - Management Consultant, Irish
€6,375 in yearly tax savings
Implementation of tax-optimized ETF investments for him and his wife. In addition, they purchased their first property. A plan for regular property acquisitions was developed to generate high passive income. The current strategy increases their annual tax refund by €6,375.
Carlos - Software Engineer, Spanish
€5,301 in yearly tax savings
Purchase of first property and tax-optimized ETF investments. Annual tax refund increased by €5,301. A plan for regular property purchases is in place to generate passive income and further boost tax refunds.
Philip - IT professional, Ghanaian
Ready to save taxes while building your wealth?
Investing in Germany is one of the most efficient ways to build long-term wealth — especially through a smart mix of real estate and ETFs.
With 100% financing often possible, you can acquire property with minimal upfront capital. In many cases, rental income covers the monthly payments — and thanks to generous tax advantages, some properties even generate positive cash flow from day one.
Combined with tax-optimized ETF investing, this creates a powerful strategy to grow your wealth while securing your retirement.
Tailored, Transparent Solutions
Your goals are unique — so is our strategy. With clear, tailored plans and written guarantees, you can move forward with full confidence.
15 years of experience
With over 15 years of experience, our real estate experts have helped 10,000+ clients navigate the German property market — making smart, tax-optimized investments that build lasting wealth.
Long-Term Support
We’re in it for the long haul — providing ongoing support, quick answers, and the confidence that you’ll never navigate your real estate journey alone.
Don’t just listen to what we say.
Check out full-length customer stories.
Trusted by over 10,000 clients across Germany.
€375,000 real estate investment (without a single euro invested) and €8,950.50 in annual tax refunds.
Meet Patrick. He invested in a property in Germany with basically €0 of his own capital, which generates passive income of €326,67 monthly from the second year of ownership and reduces his taxes.
"My portfolio is on the rise."
Meet Jide Famuyiwa. He started investing with us 2.5 years ago. Since then, his portfolio generate more than 11.62% profit per year, while he saves more than €3,000 in taxes every year.
"I'm really looking forward to the next piece of real estate."
Meet Pranjal Roy. He saves €2,016 in taxes annually while his investment portfolio yields 11.47% per year. With a clear plan in place, he’s now preparing to invest more in real estate to accelerate his path to long-term wealth.
"I was able to make tax savings."
Meet Bhuvin. He reduced his personal income tax by over €5,000 per year and has already purchased his second investment property in Berlin with our help — all as part of his long-term wealth-building strategy.
€6,817 in annual tax refunds and a €260,421 property that generates passive income.
Meet Naseef. He will receive an annual tax refund of €6,817, bought a property without using his own capital, and now earns passive cashflow thanks to his tax return.
Tax savings of more than €10,000 annually.
Meet Evin Hughes. He always wanted to invest in real estate in Germany, but the complex process and tax system held him back. With our help, he purchased two properties within a few months — and thanks to a smart, tax-optimized investment strategy, he's now saving over €10,000 in taxes every year.
10k+ Tax Savings & Wealth Building
Meet David. He always wanted to build wealth in Germany, but the complex process and tax system held him back. With our help, he purchased two properties within a few months — and thanks to a smart, tax-optimized investment strategy, he’s now saving over €25,000 in taxes every year.
Just 15 minutes — that’s all it takes to understand your goals and where you stand.
In a quick initial call, we’ll get to know your tax situation and investment potential. Then, we’ll schedule a free in-depth session with a specialized advisor who’s perfectly matched to your needs — giving you expert guidance tailored to your goals. 100% free of charge.
- Dariusch Hosseini
FAQ:
Is investing in property in Germany worth it?
Yes – Germany is one of the most attractive real estate markets for investors. The reasons are clear:
• Low equity requirements: Banks often finance a very high share of the purchase price, making it possible to invest with relatively little capital.
• Tax-free sale after 10 years: If you hold a property for at least ten years, the capital gain from the sale is completely tax-free.
• Extensive tax deductibility: Interest, depreciation, maintenance, and many ancillary costs can be deducted for tax purposes.
• Strong returns on invested capital: Thanks to leverage and tax benefits, the returns on equity are often higher than in many other countries.
This makes Germany an excellent environment for long-term, profitable real estate investments.
Is the initial consultation truly free?
Yes! It’s designed to help you explore your options and understand how we can add value.
Why Proper API?
We’re 100% independent.
Instead of pushing properties from just one developer, we educate you, compare different real estate strategies, and find the property that truly fits your financial goals and personal situation. No one-size-fits-all – just the right solution for you.
That’s why we’re rated #1 on Trustpilot.
Where can I find customer reviews?
Here you can find some case studies.
Here you can find some of our client testimonials.
Who exactly can you help?
Expats in Germany, who work in IT, etc.
How can I secure the non-binding initial consultation?
1. Click the button and fill out the form with your details.
2. Select your preferred date in the calendar.
3. Write down your questions – one of our experts will call you at the scheduled time.
Why do you offer the initial consultation for free?
Many people can’t really imagine what a long-term collaboration with us would look like. That’s why we created the free consultation sessions. Here, prospects can experience firsthand what it’s like to be guided by us over the long term. Of course, we conduct these sessions with the hope that the person will become a client afterwards – but only if they truly enjoyed the consultation.
What does the non-binding initial consultation look like?
Wie die Beratung im Detail aussieht, ist dir überlassen. Unsere Experten sprechen mit dir über die Themen, die für dich aktuell relevant sind oder über die du gerne mehr erfahren möchtest.Meistens beraten wir in den Bereichen Vertrieb, Neukundengewinnung, Angebot, Marketing und interne Abläufe.
Are you charging money for your service?
Our consultations are 100% free – no hidden fees, no strings attached.
If you decide to buy a property with us, we charge a transparent success fee. Why? Because we are truly independent.
Unlike many providers, we don’t push properties from one partner firm or a single developer. Instead, we search the entire market to find the property that perfectly matches your goals – whether it’s tax savings, long-term wealth creation, or passive income.
This way, you know exactly how we earn our money, and you can trust that our recommendations are unbiased and always in your best interest – never hidden in the property price.
How much does your service cost?
It depends on the level of support you’re looking for, the areas where you need help, and your individual requirements. Since every situation is different, we’ll tailor the service to match your needs.
How do I know I’ll get unbiased advice?
We’re legally obligated to recommend the best solutions for you, and our internal quality checks ensure every plan meets the highest standards.
Do I need a lot of money to start?
Not at all. Whether you’re starting with monthly savings or considering your first property purchase, we’ll tailor a plan that works for your financial situation.
What Our Clients Say
"The free consulting is pressure-free and will save you money – 100% guaranteed."
Highly recommend ProperAPI team- Dennis is trusting and knowledgeable
Dennis has been incredibly helpful in showing us how to reduce our taxable income through smart financial planning tailored to our goals and situation.
With their monthly service, I get quick support on everything from Elterngeld and Kindergeld to insurance and tax questions. Highly recommended for anyone looking to save on taxes and gain peace of mind.
Date of experience: March 15, 2025
5 out of 5 stars – Outstanding Wealth Management Service!
Proper API helped me buy my first rental property while saving significantly on taxes. They handled everything – from tax structuring and notary appointments to renting out the property. I barely had to lift a finger. Expert, patient, and no hard selling. Highly recommended for tax-optimized real estate investing in Germany.
Date of experience: December 15, 2024
I am having a great experience with…
I am having a great experience with Proper API team as my guide towards wealth building and tax saving strategies. My advisor, Lukas, is very professional and experienced with his insights and has helped choose the right options for a long term financial plan. Highly recommended!!!
Date of experience: December 05, 2024
Customer centric, they offer what you actually need
I was quite skeptical initially because I have seen many similar advertisements, promising to make us rich by saving on taxes or buying properties without money. However after some meetings with Christian and investigating about the company, I was glad that I got a very good proposal, comprehensive, aiming to help me reach my goals, instead of just trying to sell random insurances. After reaching out to other similar companies, I prefer ProperAPI over the others because of their comprehensive end-to-end services and customer focused service.
They offer to you what you need, not what they need to sell.
Date of experience: January 29, 2025
I recently had the pleasure of working…
Working with André was a game-changer. In just a few sessions, he helped me switch to private health insurance – saving me thousands in taxes.
He also guided me through liability coverage and set up a tax-efficient pension plan.
What impressed me most? All consultations were completely free. No hidden fees, just smart, personalized advice – especially for expats like me.
If you want to save on taxes and secure your future, talk to André. You won’t regret it.
Date of experience: March 12, 2025
Very quick and reliable collaboration
These people are experts in their fields and work well with expats whose German language is not their first language.
They have services for many types of investment opportunities, they help with minimizing taxes and costs and maximizing tax refunds.
They also help get the correct insurances that you need by getting the best premiums for the money you can afford.
Date of experience: January 22, 2025
Exceptional Financial Services and Expert Guidance from Proper API
Proper API offers expert financial advice with a strong focus on tax optimization. Their team helped me reduce liabilities, invest in property, and find the right insurance. Special thanks to Pierre for his support throughout the buying process. Highly recommended for anyone seeking smart, holistic financial solutions in Germany.
Date of experience: November 01, 2024
Every expat needs Proper Api
This was my best customer-focused experience in Germany. Christian took the time to guide me through real estate, tax optimization, and insurance topics in detail. His advice was patient, thorough, and highly valuable. I now use their monthly service—highly recommended for any expat wanting smart financial decisions in Germany.
Date of experience: October 22, 2024
Very knowledgeable on the financial…
Very knowledgeable on the financial management, tax advisory and investment strategy, especially for expats.
I've only had positive experiences so far, highly recommend!
Date of experience: August 16, 2024
Highly recommend ProperAPI team- Dennis is trusting and knowledgeable
Dennis has been incredibly helpful in showing us how to reduce our taxable income through smart financial planning tailored to our goals and situation.
With their monthly service, I get quick support on everything from Elterngeld and Kindergeld to insurance and tax questions. Highly recommended for anyone looking to save on taxes and gain peace of mind.
Date of experience: March 15, 2025
5 out of 5 stars – Outstanding Wealth Management Service!
Proper API helped me buy my first rental property while saving significantly on taxes. They handled everything – from tax structuring and notary appointments to renting out the property. I barely had to lift a finger. Expert, patient, and no hard selling. Highly recommended for tax-optimized real estate investing in Germany.
Date of experience: December 15, 2024
I am having a great experience with…
I am having a great experience with Proper API team as my guide towards wealth building and tax saving strategies. My advisor, Lukas, is very professional and experienced with his insights and has helped choose the right options for a long term financial plan. Highly recommended!!!
Date of experience: December 05, 2024
Customer centric, they offer what you actually need
I was quite skeptical initially because I have seen many similar advertisements, promising to make us rich by saving on taxes or buying properties without money. However after some meetings with Christian and investigating about the company, I was glad that I got a very good proposal, comprehensive, aiming to help me reach my goals, instead of just trying to sell random insurances. After reaching out to other similar companies, I prefer ProperAPI over the others because of their comprehensive end-to-end services and customer focused service.
They offer to you what you need, not what they need to sell.
Date of experience: January 29, 2025
I recently had the pleasure of working…
Working with André was a game-changer. In just a few sessions, he helped me switch to private health insurance – saving me thousands in taxes.
He also guided me through liability coverage and set up a tax-efficient pension plan.
What impressed me most? All consultations were completely free. No hidden fees, just smart, personalized advice – especially for expats like me.
If you want to save on taxes and secure your future, talk to André. You won’t regret it.
Date of experience: March 12, 2025
Very quick and reliable collaboration
These people are experts in their fields and work well with expats whose German language is not their first language.
They have services for many types of investment opportunities, they help with minimizing taxes and costs and maximizing tax refunds.
They also help get the correct insurances that you need by getting the best premiums for the money you can afford.
Date of experience: January 22, 2025
The Proper API team
Rauend Diebo
Business Development Manager bei Proper API GmbH
Rauend is one of our Senior Customer Success Managers, who takes care of our real estate clients.
Dariusch Hosseini
Managing Partner at Proper API - proper-api.de
Dariush is our Head of Customer Success and the CEO of the company. He has worked in real estate for 10 years.
Christian Klingsporn
Senior Consultant at Proper API
Christein has been a consultant at Proper API for the last 6 years, and we practice what we preach – he himself owns a couple of properties in Germany.
Lukas Klein
Senior Consultant at Proper API
Lukas has been in real estate for nearly 8 years and is one of our best advisors in real estate and property investment.
About Us – Your Experts in Tax-Efficient Wealth Building in Germany
Dariusch Hosseini
Dariusch Hosseini is the founder and CEO of Proper API – and his story is closely tied to the expat experience in Germany.
His father was one of the first foreign professionals to move to Germany. But instead of finding financial security, his journey was marked by complexity, missed opportunities, and a lack of clear guidance.
Watching these struggles from an early age, Dariusch learned an important lesson:
Financial success isn’t about luck – it’s about knowledge, strategy, and the right support.
In 2018, Dariusch founded Proper API to give expats in Germany exactly what his family never had: reliable, transparent, and strategic financial guidance, tailored to the unique challenges of international professionals.
Today, he brings 15 years of experience in the finance industry and leads a growing team of over 30 dedicated experts – all working toward one goal:
Helping clients build wealth, reduce taxes, and achieve financial independence – with clarity and confidence.
Why Clients Trust Proper API:
Expat-focused:
We help expats navigate the German financial and tax system — with a deep understanding of the legal, cultural, and financial complexities involved.
No commission-driven advice:
As fully independent advisors, we’re not tied to any real estate providers. Our recommendations are based solely on what best supports your investment goals — not on hidden commissions.
Proven results:
On average, our clients save €5,000 to €10,000 per year in taxes — while building assets that provide stability, flexibility, and long-term financial freedom.
Personal support, wherever you are:
Whether via secure messenger, video call, or in person — your dedicated advisor is always just one message away.
“We know what it means to start over in a new country. That’s why we make sure you don’t just settle in Germany — you thrive here financially.”
– Dariusch Hosseini
Proper Union GmbH – Known from
Where is the Proper API Team based?
Our headquarters are located in Bonn on Rochusstraße.
Thanks to our fully digitalized processes, we can conveniently manage your entire real estate investment strategy and organization via phone and video conference. A personal meeting on-site in Bonn is of course possible, but not necessary. This way, we make real estate investments possible for expats all across Germany.
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