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    kredit123.at – Immobilienfinanzierung Österreich
    Lower mortgage costs

    Refinance your mortgage – pay less,save more

    Check for free whether refinancing could lower your monthly payment.

    Calculate savings nowRequest consultation
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    Simple process

    How refinancing works

    Three simple steps to a lower mortgage rate

    1

    Enter your data

    Enter your current loan details – in just a few minutes.

    2

    Compare offers

    We analyse your situation and compare numerous partner banks.

    3

    Reduce costs

    You receive an individual offer to reduce your costs.

    Refinancing Calculator

    Step 1 of 4 · approx. 4 min.

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    Your current loan

    Just 3 details – takes about 2 minutes total

    € 250.000
    4.5%
    Your advantages

    Benefits of mortgage refinancing

    Why a refinancing comparison can pay off

    Lower interest rates

    Benefit from current market conditions.

    Lower payment

    Reduce your monthly burden.

    Consolidate loans

    Combine multiple loans into one.

    Adjust term

    Shorten or extend flexibly.

    Free & non-binding

    Consultation completely free.

    Personal support

    Your advisor guides you to completion.

    Refinancing your mortgage in Austria – what you should know

    With mortgage refinancing, you replace your old loan with better terms.

    In Austria, the early repayment fee for variable-rate mortgages is limited to max. 1%.

    Our free refinancing calculator helps you estimate savings in minutes.

    FAQ about mortgage refinancing

    Answers to the most important questions

    What is mortgage refinancing and when does it make sense?
    Mortgage refinancing means replacing your existing loan with a new one with better terms.
    What costs are involved in refinancing?
    Early repayment fee (max. 1% for variable), processing fees, land registry fees and possibly notary costs.
    Can I consolidate multiple loans into one?
    Yes, consolidation offers advantages: just one monthly payment and often lower total interest.
    How long does refinancing take?
    Typically 2-6 weeks, depending on complexity and completeness of documents.
    What documents do I need?
    Loan agreement with repayment plan, income statements, bank statements, ID and for property loans a land registry extract.
    Can I refinance with poor credit?
    More difficult but not impossible. Income situation and property value are decisive factors.
    Is refinancing worthwhile with a short remaining term?
    Only with high remaining balance and significant interest difference. Use our calculator for individual analysis.
    Lower costs now

    Ready to lower your mortgage costs?

    Find out how much you could save through refinancing.

    Start calculator nowGet free advice

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