As a trusted mortgage expert in Austria, we negotiate preferred terms with numerous banks for your property financing – free of charge and with no obligation.
No Cost
Consultation & comparison
In Minutes
Fast & straightforward
Multiple Banks
Independent comparison
Personal
Individual consultation
Get matched with the right property financing in 90 seconds
Results from our customers
Through independent mortgage comparison with
Legal notice: Assumptions based on effective rate comparison; no early repayment fee assumed. Examples only, actual terms depend on individual case.
Monthly rate (approx.)
€1,381
Interest rate p.a.
2.73%
Disclaimer: Non-binding example. The rate shown is an indicative daily average — not a binding offer. The actual rate depends on credit assessment, collateral and term. Ancillary costs are not included.
Mortgage costs in Austria include interest, processing fees, property valuation, land register and lien registration fees (1.2% each). For a €300,000 loan over 25 years, monthly payments currently range from approx. €1,350 to €1,550 depending on interest rate. Use our mortgage calculator to see your personal rate instantly.
Get your optimal mortgage in three simple steps
Enter your mortgage requirements – amount, term and type. In just 90 seconds.
Our expert team analyses your situation and compares rates from numerous partner banks.
We guide you from offer to land registry entry – personally and reliably.
Enter your mortgage requirements – amount, term and type. In just 90 seconds.
Our expert team analyses your situation and compares rates from numerous partner banks.
We guide you from offer to land registry entry – personally and reliably.
Real success stories from our customers – individually and personally guided
Luis and Pia found their dream semi-detached house but still needed to sell their existing property. With a tailored bridge financing solution, they were able to proceed with the purchase immediately – without any ongoing interest burden.
Bank
Raiffeisenbank
Term
35 years
Bridge
24 months
Family B. wanted to fulfil their dream of a waterfront apartment. We obtained offers from four banks and compared them transparently – enabling them to select the best solution.
Chosen
Bank Austria
Compared
4 banks
Fixed rate
5–35 years
Maria wanted to fulfil her dream of owning property even in retirement. Despite the challenging circumstances, we structured a financing solution with suitable additional securities.
Bank
Erste Bank
Term
25 years
Fixed rate
10 years
Free & non-binding
Independent, objective and always in your interest
+ other renowned partner banks across Austria
Maximum savings, personal support and a strong network – ensuring your property mortgage in Austria succeeds.
Your Advantage in Property Financing
A Strong Partner by Your Side
In the biggest financial decision of your life, every detail counts. We represent your interests, negotiate the best terms and guide you personally through to the land registry entry.
We are a licensed mortgage broker acc. § 136 GewO – transparent, regulated and committed to your interests.
Through our negotiating power and bank comparison, we secure rates that individuals can hardly achieve alone.
From online application through consultation to land registry entry – we handle the entire process for you.
Countless successfully financed properties across Austria – we know the market.
Close contacts with banks, notaries, valuers and brokers – for a seamless process from a single source.
Our consultation is free for you. We are only paid by the bank upon success – your advantage is our motivation.
Professional tools for informed property decisions in Austria
Local market knowledge for the best financing – in your region
Austria's largest real estate market
Suburban living & green spaces
Affordable prices, high quality of life
Economic strength meets nature
Graz is booming, regions surprise
Mozart's city & alpine premium locations
Mountain panorama & limited building land
Lake idyll & sunshine
Innovative, compact & high-end
Your personal financing expert
Head of Financing & CEO
kredit123.at
"Tailored mortgage solutions instead of compromises – I personally guide you from purchase offer to land registry entry."
Fill in the mortgage application and receive a response within a few hours. We advise you by phone, video call or in person.
The most important information about property financing in Austria – clearly explained.
A mortgage is a purpose-bound loan where an Austrian bank provides you with a credit amount – a sum of money – that you repay with interest. The financed property serves as collateral: the bank registers a lien in the land register. A mortgage comparison quickly shows how much the interest rate and term affect the monthly instalment. With the mortgage calculator on kredit123.at you can instantly see which financing fits your budget – free and fast.
For property financing in Austria, banks typically require sufficient equity – usually around 20% of the purchase price –, current salary statements, an income tax assessment for self-employed applicants, and the purchase contract or land register extract. Our experts are happy to help you with all of these topics. The more completely we prepare your documents, the faster you receive a loan approval. Our mortgage comparison also helps you know where you stand beforehand.
Interest rates and conditions vary significantly between banks. A structured mortgage comparison can save thousands of euros over the full term. kredit123.at compares current offers from Austrian banks – with fixed-rate and variable models. Use the mortgage calculator now or request a free consultation.
Everything you need to know about property mortgages in Austria
Start your free mortgage comparison now – simple process, best rates on the Austrian market.
