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Infina AT review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Infina AT is an Austrian mortgage broker whose 2.75% starting rate and 3.215% effective cost sit near the front of the ranking, which suits salaried, non-self-employed buyers and remortgagers after a fixed-rate Wohnkredit. The 3% upfront fee is the price of that access.

Key facts

Best for
Austrian buyers and remortgagers after a fixed-rate Wohnkredit arranged by a broker.
Initial rate
2.75%↗
APRC
3.215%↗
Fixed period
5 years↗
Product fee
€0↗
Purpose
Purchase, Remortgage↗
Lender type
Broker↗
Legal entity
INFINA Credit Broker GmbH↗
Headquarters
Austria↗
Founded
2001↗
Support channels
Email, Phone↗
Official website
infina.at

Loans

APR
3.215% to 3.986%↗
Loan amount
€400,000↗
Term
240 to 480 months↗
Arrangement fee
3.00% of the loan amount, one-off (processing fee / brokerage commission); EUR 12,565.36 on the EUR 400,000 Wohnkredit example↗
Credit check
Hard↗
Representative example
Wohnkredit EUR 400,000, 35-year term, 15-year fixed lock-in, monthly instalment EUR 1,750.72, 3.560% p.a. nominal, 3.986% p.a. effective, total loan amount EUR 418,845.35, total amount payable EUR 735,304.06 (as of 23.06.2026)↗
Rate type
Fixed↗
Eligibility
Customers in Austria; stated conditions assume a non-self-employed borrower, and amount and rate depend on income, equity, collateral and the granting bank's creditworthiness and credit score check↗
Origination fee (%)
3%↗
Loan types
Secured, Debt-consolidation↗
Credit needed
Good↗
Use cases
Home-improvement↗
Pricing model
Fixed rate

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
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Pros and cons

Pros

  • Effective cost of 3.215% and a starting rate of 2.75% put it towards the cheaper end of the ranking.
  • A single enquiry covers purchase and remortgage and home improvement, with secured and debt consolidation lending and a fixed rate across the range.
  • Support runs on email and phone, so the broker is reachable by phone and email.

Cons

  • The upfront arrangement fee of 3% of the loan amount adds to what you pay on every case.
  • Fixed rate only, with the lock-in at 5 and a rank of 157 of 273 on fixed period.
  • Support runs on email and phone only.
Infina AT

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Salaried, non-self-employed Austrian borrowers who can show income, equity and collateral, since the stated conditions assume them.
  • People buying or remortgaging who want one fixed-rate loan, with purchase and remortgage and home improvement listed.
  • Applicants happy to deal through a broker rather than a single lender, since the granting bank makes the credit decision.

Who should look elsewhere

  • Self-employed applicants, because the stated conditions assume a non-self-employed borrower.
  • Buyers chasing the lowest starting rate, since Prestalo lists 2.36% against 2.75% here.
  • Borrowers who want a long fixed lock-in, since 5 sits low in the fixed period ranking at 157 of 273.

How Infina AT compares

Where Infina AT is available

Available
Austria
Licence in Austria
Magistrat der Stadt Innsbruck (Aufsichtsbehoerde), GISA register (GISA-Zahl: 21141089), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does an Infina AT Wohnkredit start at?+

The calculator shows an initial rate of 2.75% and an effective cost of 3.215%, with a broader APR range of 3.215% to 3.986% across scenarios. The rate is fixed, and the figure you are offered depends on income, equity, collateral and the granting bank's creditworthiness and credit score check.

What fees does Infina AT charge?+

The main charge is a upfront arrangement fee of 3% of the loan amount, described as a processing fee and brokerage commission, so it is a percentage cost at the start rather than a monthly charge. The product fee itself is listed at €0.

Who can apply, and what credit is needed?+

The stated conditions assume a non-self-employed borrower in Austria, and the amount and rate follow income, equity, collateral and the granting bank's view of creditworthiness. Infina AT lists a hard credit check and a credit need of good, which is a high bar at the entry point.

How long is the fixed period and the term?+

Infina AT quotes a fixed rate for 5 and a term of 240 to 480. Its Wohnkredit illustration uses a longer fixed lock-in and a longer term than that range, so ask which applies to your case.

Who regulates Infina AT?+

Infina AT is listed with the Magistrat der Stadt Innsbruck (Aufsichtsbehoerde) on the GISA register, under GISA-Zahl: 21141089. It works as a broker, not a lender, so the contract and the credit decision belong to the granting bank rather than to the broker.

What can I borrow for, and how much?+

The stated loan amount is €400,000 and the purposes listed are purchase and remortgage, with home improvement also covered. The lending itself is secured and debt consolidation, and the amount and rate move with income, equity, collateral and the granting bank's credit check rather than sitting at a fixed ceiling.

How do I get hold of Infina AT?+

Support runs on email and phone, so a broker can be reached by email or phone. The company behind the service is INFINA Credit Broker GmbH, registered in Austria and founded in 2001. Ask for the bank's written offer before you commit, since the broker's role is comparison rather than lending.

Where does Infina AT sit on cost against other lenders?+

On the site ranking it sits at 18 of 152 on effective cost, and at 41 of 316 on the starting rate. Its cost part of the score is 8, while the offer part is 1.9, which is where the narrow mix shows.

Sources

  • infina.at/kontakt/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels, Licences

    “Telefon: +43 512 584 380, E-Mail: office@infina.at”

  • infina.at/kontakt/verbraucherschutzinformation checked September 26, 2026

    Backs: Credit check, Eligibility, Loan types, Arrangement fee, Origination fee (%)

    “The interest rate and the resulting instalment are credit-dependent and can only be set after a creditworthiness and credit score check by the granting credit institution”

  • infina.at/kreditvergleich checked September 26, 2026

    Backs: Purpose

  • infina.at/ueber-uns checked September 26, 2026

    Backs: Credit needed, Founded, Lender type, Product fee

    “With good creditworthiness you will probably pay less loan interest”

  • infina.at/wohnkredit-rechner checked September 26, 2026

    Backs: Loan amount, APR, APRC, Fixed period, Initial rate, Pricing model, Rate type, Representative example, Term, Use cases

    “Wohnkredit example: total loan amount (actual payout) 400,000 EUR”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Maximum loan to value.

Infina AT

Infina AT

Austrian buyers and remortgagers after a fixed-rate Wohnkredit arranged by a broker.

9.1/10See alternatives