Mortgage Rates Austria — April 2026
Archived market overview dated 25 April 2026. Not a live rate comparison or binding bank offer.
Summary April 2026
- • 10-Year Fixed (Median): 3.21% (3.15%–3.35%)
- • Variable Rate: 2.83% (EURIBOR 3M 2.08% + Spread)
- • Main Refinancing Rate: 2.15% (Last Change: 06/03/2026)
- • Trend: Fixed rate currently cheaper than variable rate (rate inversion)
Current Fixed Rates by Term
| Fixed Period | Best Rate | Median | Highest Rate |
|---|---|---|---|
| 5-Year Fixed | 2.75% | 3.02% | 3.29% |
| 10-Year Fixed | 3.15% | 3.21% | 3.35% |
| 15-Year Fixed | 3.35% | 3.43% | 3.55% |
| 20-Year Fixed | 3.55% | 3.65% | 3.75% |
| Variable Rate (EURIBOR+) | 2.08% | 2.83% | EURIBOR + Spread |
Reference scenario: €300,000 loan, 25 years, 30% equity. All data without guarantee. Data from April 2026.
ECB Rate Decision
Market Data
Rate Trend Over the Last 6 Months
| Month | 10Y Fixed (Median) | Variable Rate |
|---|---|---|
| Dec 25 | 3.52% | 4.38% |
| Jan 26 | 3.50% | 4.37% |
| Feb 26 | 3.32% | 4.15% |
| Mar 26 | 3.36% | 3.28% |
| Apr 26 (as reported) | 3.21% | 2.83% |
Outlook & Forecasts
- 1Yield inversion in Austria: fixed rate (from 3.15%) currently cheaper than variable (2.83%) — historically rare, offers long-term planning security.
- 2EURIBOR 3M at 2.08% (April 2026): market consensus expects 1.80–2.10% by year-end — further moderate declines possible.
- 3ECB next meeting June 2026: market prices a cautious path; no further cut expected before summer.
- 4Austrian housing market: +26% new mortgage applications vs. prior year — recovery accelerating with favourable financing conditions.
Forecasts are based on market expectations and ECB statements. Not financial advice. All data without guarantee.
Methodology & Data Sources
Rate data: Archived snapshot from publicly available product pages and information sheets (as of 25 April 2026). The underlying sample size was not documented reproducibly for this historical report. Values shown are approximations for the reference scenario: €300,000 loan, 25-year term, 30% equity, Austria. ECB/EURIBOR data: Official ECB sources; rate sources: optifin.at, durchblicker.at, drklein.de. Source: WelcherKredit.com, April 2026.
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