City & property
Apartments in German cities with strong, lasting rental demand.
Provided by certified partners · introduced by AvantGardeMarketing communication
Real estate in Germany
Residential property in a large, transparent rental market — structured to build ownership over about ten years with little equity at the start.
- Horizon
- ≈ 10 years
- Entry ticket
- low starting equity
- Asset
- Residential property
- Liquidity
- Low
At home and abroad
Partner selected by Steve LéchaireFive checks before a partner is introduced
≈ 10 yearshorizon
How it works
Three steps, plainly explained
Financing
The purchase is largely financed by a German mortgage; rents contribute to servicing the loan.
Ten years on
The loan is paid down progressively, with the aim of owning the property at the end of the period.
What you actually own
A registered apartment in Germany, in your name, financed by a mortgage.
Provided by a specialised partner, with whom the contract is concluded directly. AvantGarde introduces you and accompanies you; it does not hold client funds.
Why no return figures here
Partner projections are estimates, not promises. You receive them with all costs and risks, in writing, after the partner has assessed your situation — never as a headline.
Risks you should know
Read this before the opportunity
Tenant-protection law limits rent increases and evictions.
Interest rates at refinancing change your costs.
Vacancies and repairs must be covered by you.
German property and capital-gains taxes apply; Swiss treatment must be reviewed too.
It may fit if…
- ✓You want a long-term rental asset in a stable EU market
- ✓You are comfortable with mortgage financing
It is not for you if…
- ✕You could not absorb an unexpected repair or vacancy
- ✕You want to stay debt-free
How Steve selects
Five checks before we introduce a partner
01
Partner & track record
Who runs it, for how long, with which references and audited accounts.
02
Legal structure
What exactly you own, in whose name, and under which law.
03
All-in costs
Entry, running and exit costs — added up, in writing.
04
Exit route
How and when you can get out, and what happens if you need to earlier.
05
Fit in your plan
Size, horizon and liquidity checked against your pension, property and reserves.
“I only present an investment after I have understood how it can go wrong. If I would not explain it to my own family, it is not on this list.”
Steve Léchaire · Founder, banking economist dipl. ES · 20+ years at UBS, in insurance and real estate
“No broken promises, but a clear and realistic opinion on the different markets and return possibilities.”Thierry Delacotte · client review on avantgarde-investment.ch
Request the dossier
Get the full Real estate in Germany dossier
You receive the partner documentation, all-in costs and risks — then a call with Steve to see whether it fits your plan at all. No obligation.
- 1Four questions, one minute
- 2Steve replies personally within one working day
- 3Assessment with the partner before anything is signed
Steve LéchaireARIF member (AML self-regulation) · Ombud Finance Suisse
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