Infina AT review

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

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Our verdict

Infina AT is an Austrian broker rather than a lender, which suits borrowers who want one fixed residential rate instead of a shop around. The headline 2.75% sits below the 4.35% site median, though the brokerage commission is the price of that convenience.

Key facts

Best for
An Austrian home purchase or remortgage priced by a broker at a low fixed rate.
Initial rate
2.75% (Source, checked September 26, 2026)
APRC
3.215% (Source, checked September 26, 2026)
Fixed period
5 years (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
INFINA Credit Broker GmbH (Source, checked September 26, 2026)
Headquarters
Austria (Source, checked September 26, 2026)
Founded
2001 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Official website
infina.at

Loans

APR
3.215% to 3.986% (Source, checked September 26, 2026)
Loan amount
€400,000 (Source, checked September 26, 2026)
Term
240 to 480 months (Source, checked September 26, 2026)
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 (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
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) (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
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 (Source, checked September 26, 2026)
Origination fee (%)
3% (Source, checked September 26, 2026)
Loan types
Secured, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
INFINA Credit Broker GmbH (Source, checked September 26, 2026)
Headquarters
Austria (Source, checked September 26, 2026)
Founded
2001 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate

Apps and profiles

Elsewhere
WikidataLinkedInfacebook.comyoutube.cominstagram.com

Pros and cons

Pros

  • Rate of 2.75% held for 5 years, with terms of 240 to 480 months.
  • Product fee of €0, so the broker adds nothing beyond its commission.
  • The credit check is hard, with good credit described.
  • Registered in the GISA register as GISA-Zahl: 21141089.

Cons

  • A one-off brokerage commission of 3% of the loan amount lands on top of the 3.215% to 3.986% rate.
  • The fixed period of 5 years is short against a 6.5 site median.
  • Support runs on email and phone only.
Infina AT

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Austrian buyers and remortgagors who would rather have one fixed rate arranged for them.
  • Borrowers with good credit, as the check is hard and good credit is described.
  • People funding home improvements alongside a purchase or a remortgage.

Who should look elsewhere

  • Applicants outside Austria, and the self-employed, since the stated conditions assume a non-self-employed customer in Austria.
  • Borrowers after the lowest headline rate, who may prefer Prestalo at 2.36%.
  • Shoppers who want a mid-market rate, with Creditilia ES showing 4%.

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 Infina AT offer on a Wohnkredit?+

Infina AT quotes a fixed rate of 2.75% held for a fixed period of 5 years, with an APR of 3.215% to 3.986% and an APRC of 3.215%. The example loan of €400,000 sits under the 4.35% site median for initial rates.

What fees will I pay when taking a loan through Infina AT?+

The one-off fee is a processing fee or brokerage commission of 3% of the loan amount, charged on the Wohnkredit example. The broker's own product fee is €0, so the commission is the main cost on top of 3.215% to 3.986%.

How is Infina AT regulated in Austria?+

Infina AT trades as INFINA Credit Broker GmbH and appears in the GISA register, listed as GISA-Zahl: 21141089 with the Magistrat der Stadt Innsbruck as the supervisory authority. It is a broker, not the lender, so the contract sits with the granting bank.

Who can apply through Infina AT?+

The stated conditions assume a non-self-employed borrower in Austria, and the amount and rate depend on income, equity, collateral and the granting bank's own checks. The credit check is hard, and good credit is the level described.

What can I use an Infina AT loan for?+

The comparison covers purchase and remortgage as the stated purposes, and home improvement is listed as a use case. Loan types run to secured and debt consolidation, so secured borrowing and debt consolidation both sit in scope.

How long can I borrow for, and for how long is the rate locked?+

Terms run 240 to 480 months and the price is fixed for 5 years of that. The example Wohnkredit on €400,000 carries a monthly instalment and a total payable figure that sit well above the headline rate once the commission is added.

Is Infina AT a lender or a broker?+

Infina AT is a broker, founded in 2001 and based in Austria, and the legal entity is INFINA Credit Broker GmbH. As a broker it places the loan with a granting bank, which sets the final terms after its own creditworthiness and score checks.

How do I reach Infina AT?+

Contact runs on email and phone, so email and phone are the stated routes, and the imprint carries the legal entity and GISA entry. Applications run through the broker, so the first conversation is with Infina AT rather than the bank that ends up lending.

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

An Austrian home purchase or remortgage priced by a broker at a low fixed rate.

9.0/10See alternatives

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