Real Estate Financing

Buying

Whether you're purchasing an existing property, a new-build from a property developer, or a property through a real estate agent, there are numerous factors to consider to ensure everything runs smoothly and your financing requirements are calculated correctly. We're happy to help! There's no place quite like your own home. Create a secure living space for yourself and your family.

The key considerations when buying a property:

  • We take ALL project costs into account (site development and utility connection fees, completion costs, furnishings, special requests, garden landscaping, and fencing).
  • We take ALL additional purchase and financing costs into account.
  • Recent changes to the applicable rules have once again made bridge financing against the proceeds of a future property sale possible. We'll show you how to exchange your apartment for a house.
  • Buying and financing a property doesn't always have to be for owner-occupation. Investment apartments for rental income, as well as residential properties for your children or other family members, can also be financed.
  • We're available to assist both you and your escrow agent with questions about the legal process.
  • We'll advise you on the most cost-effective payment method for your situation (bank guarantee, full bank transfer, or payment under the Austrian Developers Contract Act (BTVG)).
  • We take any available subsidies and funding opportunities into account.

Building

Building your own home is a truly special project, after all, it's not something you do every day. At the beginning, it's often difficult to know whether you can overcome all the challenges and problems on your own. We've already supported thousands of people building their own homes with practical help and expert advice, and we're prepared for every eventuality!

The key considerations when building a house:

  • We work with you to prepare a detailed cost plan.
  • We clearly distinguish between work carried out by professional contractors and tasks you can complete yourself.
  • We explain why doing some of the work yourself has become more important under the new lending guidelines.
  • We advise you on the most cost-effective way to manage the project, taking your individual timeline into account.
  • We take any available subsidies and funding opportunities into account.
  • Your future monthly repayments should remain affordable.
  • Sustainable construction leads to sustainable financing!

Refinancing

Have you already obtained financing for your house, apartment, or other property through a bank or building society? Given current interest rate developments, it may be worth taking a closer look at your existing property loan. We'll compare the available options and negotiate on your behalf.

Lower interest rates can save you a considerable amount of money over the remaining term of your loan. We'll help ensure that your monthly repayments remain affordable. Whether you're refinancing a loan with your existing bank, switching to another financial institution, or refinancing a loan originally taken out to finance a construction project, refinancing can make sense in many situations.

The key considerations when refinancing:

  • Consider the total cost of the loan.
  • What interest rate and terms will apply when the current fixed-rate period ends and the loan switches back to a variable rate?
  • What costs need to be taken into account, and will refinancing still be worthwhile?
  • Should you keep the remaining loan term or extend it?
  • In many cases, several loans can be consolidated into one, making your finances easier to manage and reducing your monthly costs.

Renovating

An energy-efficient heating system, effective thermal insulation, a new bathroom, a converted attic, or a complete renovation — sustainably increase the value of your existing property while reducing your ongoing monthly expenses. The savings may surprise you! Renovations can also be financed alongside existing loans. Explore all the options for restoring the charm and character of your home and giving your living space a fresh new feel.

Make your property CLIMATE-READY! From photovoltaic systems and heat pumps to energy-saving improvements, there are solutions to suit projects of every size.

The key considerations when renovating:

  • Increasing your property's value provides greater long-term financial security.
  • Lower energy costs leave you with more money in your pocket every month.
  • Improving the indoor environment enhances your quality of life.
  • Improve the quality of your living and working environments, including your home office.
  • A wide range of subsidies and funding opportunities makes it easier to bring your project to life.