Mortgages are only restricted on apartments. It is possible to get very high mortgages on blocks - my last client managed 92% finance on an Oranienburg portfolio - but I know this is exceptional for non German investors - but 75% is relatively easy if the cold rent yield is high. You will get higher mortgages on both products if you are German or if you have a Gmbh which has accounts for 2 years - all our clients buy using a Gmbh (or a Gmbh & co KG depending on their investment strategy).