ReportsMortgage Rates Austria April 2026
Monthly ReportPublished: 26/04/2026
Mortgage Rates Austria — April 2026
Current market overview: fixed rates, variable rates, ECB key rate, and outlook based on 50+ Austrian banks.
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
Main Refinancing Rate2.15%
Deposit Rate2.00%
Last Change-0.25% on 06/03/2026
EURIBOR 3M2.08%
Market Data
New Mortgage Applications (vs. prev. yr)+26%
Avg. Loan Size€261,000
Avg. LTV72%
Fixed Rate Share of New Loans78%
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 (current) | 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: Direct collection from product pages and PIBs of 50+ DACH banks (through 25 April 2026). 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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