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From mortgages to refinancing — independent advice for your financial future.
As an independent brokerage, we also support you in all matters of financing. Mortgage, building society loan (Bausparkasse), consumer loan or refinancing — credit brokerage is handled by our specialised financial partners, who compare offers from many banks and building societies. We remain your contact person and coordinate financing and insurance cover from a single source.
Over 25 years, the difference between the cheapest and the most expensive mortgage offer often amounts to tens of thousands of euros. Anyone who only asks their own bank usually misses out on considerably better terms available on the market. Together with our financial partners we offer you:
A classic bank loan for buying, building or renovating property — with a fixed, variable (usually Euribor-linked) or combined interest rate.
A building society loan, often on favourable terms that remain stable for years — traditionally after a savings period, and if necessary also as an immediate loan.
Low-interest state loans or grants for building, a first purchase or renovation — criteria differ significantly from one federal state to another.
Short-term bridging finance, e.g. when the proceeds from selling your old property only arrive after buying the new one.
Repaying an existing loan on better terms, e.g. at the end of a fixed-interest period.
Financing for renovation, thermal refurbishment or extension — often combined with federal and state grants.
A loan for private purchases such as a car, furniture or travel — independent of property.
Using vehicles or equipment for a regular fee without buying them — as finance or operating leasing, also interesting for businesses.
Financing for businesses — from day-to-day liquidity to investment in machinery, vehicles or premises.
Three figures are key to any property financing: the equity share (how much you contribute yourself), the loan-to-value ratio (Beleihungsquote – the loan amount in relation to the property value) and the debt-service ratio (Schuldendienstquote – what share of your net income the monthly instalment represents).
From August 2022 to June 2025 these values were set bindingly by the so-called KIM Regulation of the Austrian Financial Market Authority FMA (including a maximum loan-to-value ratio of 90%, a maximum debt-service ratio of 40% and a maximum loan term of 35 years). The regulation expired on 30 June 2025. Since then the same ratios only apply as a non-binding recommendation in the FMA’s so-called WIK circular — banks may deviate from them in individual cases, but in practice they still follow them.
For you this means: there is somewhat more flexibility today than in 2023 or 2024, but thorough preparation with realistic equity and a stable, documented income is still the key to a positive credit decision.
Independent financing advice pays off for any major purchase. We particularly recommend it for:
Yes, we will gladly check whether refinancing or follow-on financing on better terms is possible for you.
No, a first non-binding conversation also makes sense if you are just planning and want to know what is realistic.
Building society savings (Bausparen) combine saving with a later low-cost loan, while a classic loan is usually available immediately — the two can also be combined.
No, here too we advise free of charge and without obligation.
Yes. Credit brokerage is handled by our financial partners, who compare offers from different banks and building societies. We accompany you through the process and coordinate financing with insurance.
No, the KIM Regulation expired on 30 June 2025. Since then the same ratios are only a non-binding recommendation of the FMA (WIK circular) — in practice, many banks still follow them.
Yes, that is actually typical — the state subsidy usually only covers part of the costs and is combined with a classic mortgage or building society loan.
Content reviewed by: Agnieszka Valenta, insurance broker · As of October 2026
Book a no-obligation conversation — together with our financial partners we will find the right financing for you.
Personal advice in Breitenwaida – for clients from the Hollabrunn district, the whole Weinviertel region, as well as Vienna and Burgenland. We advise in English, German, Polish, Serbian and Bosnian.
