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    kredit123.at – Immobilienfinanzierung Österreich
    Mortgage for House & Apartment Purchase

    Mortgage for House & ApartmentPurchase – Compare & Save

    Whether buying a house or apartment – compare mortgage offers for your property purchase in Austria. Independent, transparent and personal advice.

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    How It Works

    How Mortgage Comparison Works for Property Purchase

    Three simple steps to find the right mortgage for your house or apartment purchase

    1

    Enter Details

    Enter your property and financial details – in just a few minutes.

    2

    Compare Offers

    We compare numerous banks and find the best rates for your purchase.

    3

    Secure Mortgage

    You receive a personalised offer and we guide you to completion.

    Mortgage for House & Apartment Purchase

    Get your personalised mortgage offer in 90 seconds

    Step 1 of 4 · approx. 4 min.

    What do you want to buy?

    Select your property type and answer three quick questions.

    Equity share20%
    0%50%

    Below 20%

    Higher rate – possible in individual cases

    From 20% – recommended

    Better rates, lower payments

    Your Benefits

    Benefits of Mortgage Comparison for House & Apartment Purchase

    Why an independent comparison pays off for your property purchase

    Best Rates

    Compare interest rates from numerous banks for your house or apartment purchase.

    Lower Payments

    Reduce your monthly payments with the optimal mortgage.

    House & Apartment

    Specialised in all property types – from houses to apartments.

    Fast Processing

    From enquiry to mortgage offer in the shortest time.

    Free & Non-binding

    Advice and mortgage comparison completely free for you.

    Personal Support

    Your advisor guides you from enquiry to notary appointment.

    Mortgage for House & Apartment Purchase – What You Should Know

    Anyone looking to buy a house or apartment typically needs a mortgage. Choosing the right loan can save thousands in interest – so a comparison always pays off.

    In Austria, banks typically expect at least 20% equity, monthly payments should not exceed 40% of net income, and the maximum term is usually 35 years.

    Our free mortgage comparison helps you find the best rates for your house or apartment purchase – independently, transparently and personally.

    Your Local Advisor

    Your personal financing expert

    Roman Duszipiva – Finanzierungsexperte bei kredit123.at

    Roman Duszipiva

    Head of Financing & CEO

    kredit123.at

    "Tailored mortgage solutions instead of compromises – I personally guide you from purchase offer to land registry entry."

    Mon–Fri, 8:00–18:00
    Request consultation

    Fill in the mortgage application and receive a response within a few hours. We advise you by phone, video call or in person.

    FAQ: Mortgage for House & Apartment Purchase

    Answers to the most important questions about financing your property purchase

    How much equity do I need to buy a house?
    Austrian banks typically expect at least 20% equity (including closing costs). The more equity you bring, the better rates you'll receive.
    What's the difference between buying a house and an apartment for the mortgage?
    The same mortgage conditions generally apply. However, house purchases often involve higher prices and additional costs (e.g. land, development), while apartment purchases must factor in community operating costs.
    How high are the closing costs?
    Expect 8–12% of the purchase price for land transfer tax (3.5%), land registry (1.1%), notary fees, broker fees and mortgage registration.
    Fixed or variable rate for a house purchase?
    A fixed rate offers planning security. A variable rate may be cheaper initially but carries the risk of rising payments. The choice depends on your risk appetite and current market conditions.
    Can couples apply for a mortgage together?
    Yes, a joint application often improves conditions as two incomes strengthen creditworthiness. This is especially popular for house purchases.
    How long until I receive the mortgage?
    From application to approval typically takes 2–4 weeks. The more complete your documents, the faster the process.
    Is the mortgage advice really free?
    Yes, our advice and comparison are completely free. We are financed exclusively through commission from the lending bank.
    Compare Mortgages Now

    Ready to buy your house or apartment?

    Compare mortgage offers now and find the best financing for your property purchase.

    Start ComparisonGet Free Advice

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