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Home financing across Austria from €100,000

Your mortgage.
Right from your couch.

Calculate first — with no sign-up. After that, we guide you digitally all the way to a bank offer. A non-binding initial assessment within 24 hours.

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  • Documents and application data stay in Europe
  • Not tied to any single bank
  • Over 20 banks compared
  • No hidden costs (remuneration is agreed in advance)
  • A personal contact for every financing case

What would your rate be?

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Your sample rate

The interest rates and instalments shown are for orientation only and do not constitute a binding offer. Your actual terms are determined individually on the basis of your creditworthiness, the property and the partner bank.

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Representative example under § 6 HIKrG

indicativeStandard case from the conditions catalogue — as of: Sep 09, 2026Loan amount €300,000Term 300 monthsBorrowing rate (fixed) 3.76%Annual percentage rate 4.28%Number and amount of instalments 300 instalments — amount per phase (see below)Total amount payable €467,528.04Show all mandatory disclosures and costs
Loan amount
€300,000
Borrowing rate (fixed)
3.76%
Annual percentage rate
4.28%
Term
300 months
Fixed-rate period
10 years, then variable (assumption)
Number and amount of instalments
300 instalments — amount per phase (see below)
Phase 1 — fixed rate (months 1–120)
3.76% — €1,544.03 per month
Phase 2 — modelled follow-on instalment (months 121–300)
3.76% — €1,544.02 per month
Total amount payable
€467,528.04
Loan-to-value
up to 80% of the purchase price
Security
The financing is secured by a lien (mortgage) on the property.
Intermediary
Brokerage by FA – FinanzAktiv e.U., licensed commercial financial adviser authorised to broker credit.

One-off costs

Mortgage registration fee (1.2%)on 120% of the loan amount, incl. ancillary-charges security
€4,320.00
Credit intermediary commission (1.5%)The total commission for the credit intermediation amounts to 3% of the approved gross loan amount and is payable by the borrower. The credit intermediary commission co-financed through the incidental loan costs (minimum 1.5% up to a maximum of 3%) is credited in full. As a success fee you pay only the difference up to 3% – therefore no more than 1.5%. If the entire commission of 3% is co-financed through the loan, your direct payment does not apply.
€4,500.00
Bank processing fee (1.5%)We deliberately calculate with the maximum: 1.5% of the loan amount, but at least a flat €2,500 – whichever is higher. Your bank may charge less or waive the fee entirely. You will know your actual amount once the financing bank has been determined.
€4,500.00
Total one-off costs
€13,320.00

The land register mortgage registration fee is already included in the total amount payable. The bank processing fee and the credit intermediary commission, by contrast, are withheld from the payout and are not included in the total amount payable.

Variable terms: 3-month Euribor plus a bank margin. The reference rate is updated every business day.

10-year swap rate: 3.600% — as of: Sep 15, 2026 (source: sparkasse.at)

The instalment of the second phase is a modelled follow-on instalment: 3-month Euribor plus a bank margin, but at least the fixed rate. The margin differs from bank to bank; depending on the loan-to-value ratio and the bank's appraised value, the interest rate actually offered may differ. The actual instalment after the fixed-rate period is not known today.

The interest rates and instalments shown are for orientation only and do not constitute a binding offer. Your actual terms are determined individually on the basis of your creditworthiness, the property and the partner bank. The effective interest rate includes all loan-related incidental costs (e.g. bank processing fee, credit intermediary commission, mortgage registration fee, etc.). Any real estate agent's commission is not part of the loan costs and has no effect on the effective interest rate. When purchasing a property, the purchase price initially serves as a provisional reference value. The market or appraised value of the property determined by the financing bank is decisive for the final terms; specific terms can only be communicated once the bank's valuation is available.

In four steps

How it works

You keep the overview at all times — and a personal conversation is a fixed part of every financing.

  1. 1Calculate

    Check your rate and affordability — instantly, no sign-up, no contact details.

  2. 2First conversation

    A non-binding initial assessment within 24 hours — your personal contact reviews your case.

  3. 3Documents

    A digital checklist, secure upload, clear status — you always see what is still missing.

  4. 4Offers

    Comparable bank offers, clearly prepared — the decision stays with you.

Trust you can verify

What you can rely on

Your financing data stays in Europe

Your documents and application data are stored in Europe — encrypted in transit and at rest. No sharing outside the brokerage process.

Your personal contact reviews every case

Our digital process prepares the ground — every financing is reviewed and taken responsibility for by your personal contact. No case is decided automatically.

Transparency on costs

We disclose how we are paid: 3% of the loan amount in total upon a successful brokerage. The bank's commission is offset against it — you pay at most 1.5% directly, and depending on the bank nothing at all.

How do we make money?

Brokerage by FA – FinanzAktiv e.U., licensed commercial financial adviser authorised to broker credit.

We speak your language

The entire process is available in German and English — including every explanation of the documents you need.

Ready? Start your application.

A few short questions — a non-binding initial assessment within 24 hours.

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