The dream of owning a home starts with the right financing. A mortgage is a long-term decision - with the right comparison, you can save thousands of euros in interest.
Financing Types
Property Loan
Classic loan for purchasing real estate
Construction Financing
Financing for new builds and construction projects
Home Loan
For renovation, refurbishment and modernization
Refinancing
Replace existing loans with better terms
KIM-V Regulations since August 2022
⚠️ These rules apply to all new mortgages in Austria:
Understanding Interest Rate Types
| Rate Type | Advantage | Disadvantage | Risk |
|---|---|---|---|
| Variable Rate | Often cheaper initially | Risk with rising rates | High |
| Fixed Rate | Planning security | Often higher initial rate | Low |
| Mixed Rate | Balance of both | More complex structure | Medium |
Required Documents
👤Personal Documents
- Valid ID (passport or ID card)
- Residence registration
- Income proof (last 3 payslips)
- Tax returns (for self-employed)
- Statement of existing liabilities
🏠Property Documents
- Purchase contract or offer
- Land register excerpt
- Building plans and permits
- Energy certificate
- Cost estimates (for construction/renovation)
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Optimal conditions for your situation
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Go to Loan ComparisonTerms depend on creditworthiness, income and collateral. As of: December 2025.