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.
- 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?
no sign-up neededYour sample rate
Non-binding orientation – the bank sets your terms after reviewing your creditworthiness and the property.
Representative example under § 6 HIKrG
indicativeStandard case – conditions and fees as of Oct 30, 2026Interest type: variable rate – option with the lowest effective rate (compared: variable and fixed-rate periods of 5 to 25 years, each at the median terms of our partner banks)Loan amount €300,000Term 35 years (420 months)Borrowing rate (variable) 3.68%Annual percentage rate 4.17%Number and amount of instalments 420 × €1,275.66 (incl. account maintenance fee €5.00/month)Total amount payable €540,876.77Show all mandatory disclosures and costs
- Loan amount
- €300,000
- Payout amount
- €289,750.00
- Borrowing rate (variable)
- 3.68%
- Annual percentage rate
- 4.17%
- Term
- 35 years (420 months)
- Repayment model
- amortising (flat instalment)
- Number and amount of instalments
- 420 × €1,275.66 (incl. account maintenance fee €5.00/month)
- Account maintenance fee
- €5.00 per month, included in the instalment (charged quarterly), included in the effective rate and the total amount
- Total amount payable
- €540,876.77
- 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 (3%)The total commission for the credit intermediation amounts to 3% of the approved gross loan amount. Where the bank co-finances part of it through the incidental loan costs, this part amounts to 1.5% to 3%; you bear this part as the borrower. It 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, no direct payment is due.
- €9,000.00
- Bank processing feeDepending on the bank, the processing fee ranges from €0 to a maximum of €2,500. A notional average of €1,250 is therefore assumed, which may be lower or higher depending on the bank. Once the financing bank has been determined, the actual amount can be seen in the offer.
- €1,250.00
- Application fee
- €62.00
- Notary feeThis amount is an indicative value. The exact costs depend on the number of certified signatures and on the amount of the mortgage registered in the land register.
- €200.00
- Land register check
- €20.00
- Valuation feeDepending on the bank, the valuation fee ranges from €0 to a maximum of €960. A notional average of €500 is therefore assumed, which may be lower or higher depending on the bank.
- €500.00
- Total one-off costs
- €15,352.00
All costs are reflected in the annual percentage rate. The bank processing fee and the credit intermediary commission are withheld from the loan amount at payout and repaid through the instalments – they are included in the total amount payable and are not payable in addition. The other one-off fees (e.g. mortgage registration) are paid separately at payout and are added to the total amount payable. All one-off costs listed above are therefore already included in the total amount payable – please do not add them again.
Variable terms: 3-month Euribor plus a bank margin. The reference rate is updated every business day.
The interest rates and instalments shown are for orientation only and are only set by the bank after a thorough review. They 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.
1Calculate
Check your rate and affordability — instantly, no sign-up, no contact details.
2First conversation
A non-binding initial assessment within 24 hours — your personal contact reviews your case.
3Documents
A digital checklist, secure upload, clear status — you always see what is still missing.
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: the total commission upon a successful brokerage is 3% of the loan amount. The part co-financed through the incidental loan costs is credited in full — you pay at most 1.5% directly; if the entire commission is co-financed, no direct payment is due.
How do we earn our money?Understanding home loans
Ready? Start your application.
A few short questions — a non-binding initial assessment within 24 hours.
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