is your partner for Austrian property financing
Tailored financing for purchasing properties – houses, apartments and land
Your property financing – individual & independent
kredit123.at brokers mortgage loans for individuals and families across Austria. Whether it's a house, apartment or building plot – we find the right financing for your situation.
Our focus is on transparency, fair conditions and personal advice. We compare offers from numerous banks and guide you through the entire financing process.
Your Local Advisor
Your personal financing expert
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."
Fill in the mortgage application and receive a response within a few hours. We advise you by phone, video call or in person.
Who is kredit123.at for?
Our financing solutions are designed for a broad range of clients:
Private individuals
Whether first-time buyer or experienced owner – we support you with every property financing individually.
Employees & civil servants
Permanent employment, contract staff or public service – stable income is a great foundation.
Self-employed & freelancers
Financing is also possible with entrepreneurial income – we know the right banking partners.
Families & couples
Joint loan applications can improve financing chances and unlock better conditions.
Refinancing
Already have a loan? Check whether refinancing could save you interest.
Note: Every situation is different. Even with less conventional income, a non-binding enquiry is worthwhile – we're happy to explore your options.
What do we finance?
We specialise in financing residential properties and land in Austria.
Houses & apartments
Purchase or new build of your home – from city apartments to detached houses.
Land & building projects
Financing building plots, house construction or major renovations.
Refinancing
Refinance existing mortgages and benefit from better conditions.
Loan amounts
Flexible loan amounts depending on property value and creditworthiness:
Terms
Flexible terms to suit your life situation:
Interest rates & conditions
Interest rates depend on several factors, in particular:
We compare offers from numerous banks for you – neutral, independent and free.
Our Calculators & Tools
Use our free online calculators for your property financing.
Mortgage Comparison
Compare conditions from numerous banks and find the best rate.
Closing Cost Calculator
Calculate all closing costs for your property – transfer tax, notary & more.
Refinance
Refinance existing loans and save with better conditions.
Rent or Buy
Is buying worth it? Compare rent and mortgage for your situation.
Process – how it works
Submit enquiry & compare offers
Enter your requirements into our loan enquiry in just a few minutes.
We take care of the rest: our system compares offers from numerous banks and finds the best conditions on the market for you.
No effort, no hidden costs – just the best offer for you.
Personal advice & individual optimisation
At this point it gets personal: our experienced financing experts take time for you and your situation.
Together we check how you can save on interest, reduce your monthly payment or get more from your equity. You benefit from real experience and honest advice – not standard solutions.
You always speak to a real person – no call centre, no chatbots.
Contract processing & support to land registry
Once you've chosen an offer, we handle the organisation with the bank.
The bank receives a lien on the property – a completely normal and legally secure step in every property financing. On request, we accompany you until everything is finalised – that is, until you are officially registered as the owner in the land registry.
Your advantage: you don't have to worry about anything – we accompany you personally from the first click to the land registry entry.
The entire process is digital and personally supported – conveniently from home or on site.
Security & transparency
No hidden costs
Full transparency on all fees
Data protection guaranteed
Your data is safe with us
Fair advice
We act in your interest
Mortgage by Federal State
Find regional information on property financing, loan conditions and market data for your federal state.
Mortgage Wien
Mortgage Niederösterreich
Mortgage Oberösterreich
Mortgage Steiermark
Mortgage Salzburg
Mortgage Tirol
Mortgage Kärnten
Mortgage Vorarlberg
Mortgage Burgenland
Ready for your property financing?
Start your non-binding enquiry now and let our experts advise you.