We were really happy with Expat Mortgages, they are very punctual and professional. Our mortgage was approved in record time thanks to Mira and Nadine. Erfpacht does not exist in my home country in general (all buildings are already with the land). Buying a house as an expat is not very easy, since you need to know the process and the language well. Mira and Nadine explained everything to us very well and also translation of the documents were provided. These were very important because some agreements were more than 100 pages (the building has multiple sister blocks together). I recommend them to everybody I know.