• Minimum age: 18 years (legally competent individuals)

• Citizenship of an EEA member state

• Permanent residence within the European Union

• 30–35% down payment required for income paid in euros

• 50% down payment required for income paid in other currencies

• 3 most recent payslips

• 3 months of bank statements

• Copy of valid identification document

• Copy of residence registration (address card)

• If purchasing through a real estate agent: property exposé

• If purchasing from a private seller: land registry excerpt, floor plan, energy performance certificate, interior and exterior photos

• If building a property: building and elevation plans, land registry excerpt for the plot, cost estimate or contractor's offer

• Real estate acquisition tax: 6.5–7%
• Stamp duty: 1–1.5%
• Notary and land registry registration fee: 0.1–2%
• Real estate agent commission: 3–7% (included in the purchase price)
  
• Purchase agreement fee: 0.5–1%

• Creditworthiness check by phone or online
  

A fast credit check by phone or online to quickly provide the client with clarity regarding their financial possibilities.

• Property offer consultation
  

Tailored advice on available real estate offers, including a detailed assessment of the advantages and disadvantages of different property types – aligned with the client's individual needs and goals.

• Loan application and coordination
  

We handle the entire coordination of the loan application process – from submission to final approval.

• Service fees:
  

The fee for the above services is 1% of the loan amount plus VAT.

Additional services:

Legal and tax advice:

We cooperate with renowned lawyers and tax consultants who offer comprehensive legal and tax advice to ensure that your real estate investment is optimally structured from both a legal and tax perspective. They guarantee a smooth and legally secure process. Fees are agreed individually.

Connection to experts from our professional network:

We ensure that our clients are connected on-site with the best professionals from our network – enabling them to achieve their goals professionally and with confidence.

If you're investing more equity or transferring larger sums of money, it's important to understand the following Anti-Money Laundering (AML) rules ahead of time. This helps you avoid delays, account freezes, or issues during compliance reviews.

Cash Transactions:

• Import and export of cash within the EU with a threshold of 10,000 euros: If you're traveling with €10,000 or more in cash—or the equivalent in foreign currency, gold, or securities—into or out of the European Union, you must declare it in writing to the relevant customs office before crossing the border. This rule is based on EU Regulation 2018/1672 and applies in Austria as well. If the cash is not declared, customs authorities can confiscate it and may start legal proceedings under anti-money laundering and counter-terrorism financing laws.

• Cash payments in commercial transactions (domestic): According to the Under the Austrian Trade Regulation Act (GewO, 1994 §§ 365m1–365z), all businesses and service providers must follow anti-money laundering procedures when accepting or making cash payments of €10,000 or more. For example, a car dealership must verify the customer's identity, assess the risk, and keep proper records when a car is paid for in cash over this amount. The same rules apply to cash purchases of other high-value goods like jewelry, artwork, or electronics. Once the €10,000 cash threshold is reached, ID verification using official documents becomes mandatory. Note: This rule applies strictly to cash payments—credit card or bank transfers are not affected.

• Art and antiques trade: Since the expansion of the 5th EU AML Directive (EU 2018/843), dealers of high-value art—such as galleries and auction houses—are required to comply with anti-money laundering regulations. In this sector, customer identification using official documents is mandatory for any transaction totaling €10,000 or more, regardless of whether payment is made in cash or via bank transfer. So, if you're buying artwork for €10,000 or more, you should expect the seller to verify your identity—and if anything seems suspicious, the transaction may be reported to the authorities.

• Reporting obligation: Transactions over €10,000 don't have to be automatically reported to the authorities unless there's something suspicious about them. However, for any cash transaction above this threshold, proper identification and documentation are mandatory to help flag potential red flags. Starting in 2027, the EU will ban all cash payments over €10,000, so transactions of this size will no longer be legally allowed in cash anywhere in the Union.

  
  

Bank Transactions:

Over 10.000 EUR:

• For wire transfers above €10,000, the EU's rules on money transfer traceability (EU Regulation 2015/847) apply.

• Banks must verify customers under the "Know Your Customer" (KYC) process.

• Transfers of €15,000 or more automatically trigger a review of the relationship between the sender and the recipient. Starting in 2027, this threshold will be lowered to €10,000.

• Customer identification is required for each transaction unless there's an existing business relationship.

• If the amount is split into multiple transfers, the total will still be reviewed—especially if there's suspicion of "structuring" to avoid reporting. Review periods typically range from 30 to 180 days, depending on the risk level.

Over 25.000 EUR:

While €25,000 isn't a legal threshold, it's widely recognized in the financial industry as a point where banks apply enhanced due diligence (EDD), especially for international wire transfers.

• Banks increasingly ask for proof of the source of funds for transactions of this size—such as a purchase agreement, inheritance documents, or an invoice.

• The Financial Action Task Force (FATF) publishes a list of countries with weak anti-money laundering controls, available at https://www.fatf-gafi.org/en/home.html.

• Transactions involving these countries may be subject to extra scrutiny, restrictions, or even be completely blocked.

Over 50.000 EUR:

• Large cross-border or domestic transfers are automatically reported to the Austrian Ministry of Finance (BMF).

• If a transaction appears suspicious, it must also be reported to the Financial Intelligence Unit (FIU): https://www.bundeskriminalamt.at/308/start.aspx.

Stricter Regulations from 2027:

• Starting July 10, 2027, the review threshold for bank transactions will be lowered from €15,000 to €10,000 under EU Regulation 2024/1624.

• Cash payments over €10,000 will no longer be allowed anywhere in the EU.

What happens if the source of funds cannot be proven?

• Banks may freeze an account until the source of funds is clearly verified. If the explanation is missing or not convincing, it could lead to criminal consequences.

• Banks themselves aren't exempt—violations can result in fines, license revocation, or even personal liability for those involved.

You can find additional documents on this topic at the bottom of the page.