If you are interested in Austrian ski property mortgages it is possible to borrow up to 60% of the purchase price, and variable rates are around 1.6 – 2%. It is also possible to take fixed rate mortgages for 1 to 10 years. We can recommend banks in any of the ski resorts we sell in as we have contacts throughout Austria. We also work closely with a selected UK mortgage broker who specialises in technical cases for buy to let investors and overseas clients.

Will they lend to me?

Banks are happy to lend so long as you are buying a property and renting it for touristic use – either flexible rental property, fully managed rental property, or property with a guaranteed rental return. In this case the banks are happy to lend as your property would be classified as a ‘small business’ and the income you earn from your rentals may be used to cover the loan.

Tax advantages

There are tax advantages to taking Austrian ski property mortgages. If you take a mortgage and rent your property it is possible to offset the interest on your mortgage payments against any profits on your rental income, therefore reducing your tax liability – and as your rental income will be in Euros you do not have any currency exposure if you intend paying your mortgage from rental income. You can also write off 10% of the costs of your furniture package as depreciation against your rental income.


Some banks charge a set-up fee and this is usually around 2% of the value of the loan. They will also charge an appraisal fee of 0.5% and you will need to pay the notary a fee of 1.5% of the amount of the mortgage to register the mortgage in the land registry.


There are other options available to you to finance buying a ski property in Austria. An alternative option is to borrow against an existing property in your own country of residence and to make a purchase as a cash buyer.


When you are buying a ski property in Austria and making international money transfers, fluctuating exchange rates can make a huge difference to the final amount you receive in your bank account. 

We work closely with a leading currency exchange expert for all of our clients money transfers, international payments & foreign exchange dealing’s. Our contacts here provide the quickest and easiest way to transfer money internationally and consistently provide bank-beating exchange rates to help both companies and private individuals achieve significant savings. To find out more click here.



Purchase costs for buying a property in Austria work out about 6.6% of the gross purchase price. The purchaser will be required to pay the notary fees after the contract of sale has been signed.

Fees are calculated as follows:

  • Purchase Tax ‘Stamp Duty’ – 3.5% of the gross purchase price
  • Registration in the Land Registry – 1.1% of gross purchase price
  • Notary’s fees – between 1.5 and 2% of gross purchase price
  • Court costs, administration fees – approx. 150 euros
    To find out more please click here.


Although the cost of the furniture packages are included in many of the properties we sell, for mortgage purposes this cost must be deducted as banks will not lend on furniture. The cost of the furniture packages for ski apartments and chalets is usually between €20,000 and €40,000.


If you are looking to take a mortgage and are wondering what sort of cash deposit you would need so that you can also take the purchase costs into account, here is a basic example for you to see:

Property Price    
EUR 400,000 Purchase price
EUR 240,000 – 60% Mortgage Loan
EUR 160,000 – 40% Deposit
Mortgage fees based on loan of 240,000 euros
EUR 4,800 – Bank Set up fee 2%
EUR 1,200 – Notary fee for mortgage registration 0.5%
EUR 2,640 – Mortgage registration fee 1.1%
EUR 8,640 – Total Mortgage Fees
Purchase Fees based on Purchase price
EUR 14,000 – 3.5% Purchase tax/Stamp Duty
EUR 4,400 – 1.1% entry to land registry
EUR 8,000.00 – Notary’s fees 2%
EUR 1,600 – VAT on Notary’s fees 20%
EUR 150 – Admin fees (approx.)
EUR 28,150 – Total Purchase fees
Total Cash Required    
EUR 160,000 – Deposit  
EUR 8,640 – Mortgage Fees
EUR 28,150 – Purchase fees
EUR 196,790 – Total cash required







Disclaimer: Whilst we make every attempt to ensure the accuracy and reliability of the information contained in all brochures and the company website, we are reliant upon information provided by third parties and therefore, the company, its employees and agents will not be responsible for any loss, however arising, from the use of, or reliance upon this information. The sales deed prepared by the local Notary will contain all the terms of the sale and no warranty or representation made by an other person which is not specifically included in that deed of sale is legally enforceable. These particulars and the company website do not form part of any offer or contract and must not be relied upon as statements or representations of fact. © Alpine Marketing 2015 Registered Office: 3-5 Devonshire Street, London W1W 5DT, Registered in England. No. 06423236