Mortgage calculator
Calculate your desired rate, the applicable purchase and financing costs and the amortization schedule – instantly and without sign-up
Affordability check
Enter your monthly net household income to compare your rate with common bank guidelines.
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.
The calculator and initial assessment are free. For a successful brokerage we receive 3% of the loan amount in total: whatever the bank bears is offset against it and stated in the ESIS information sheet — you pay at most 1.5% directly, and depending on the bank nothing at all. If no financing is concluded, you incur no costs.
How do we make money? »Amortization schedule
The amortization schedule is available as soon as an interest indication exists.