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KIM, no more: What the end of Austria's mortgage rules means for property in Kitzbühel.

  • Autorenbild: Frick GmbH
    Frick GmbH
  • 26. Nov.
  • 2 Min. Lesezeit

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As of June 30, 2025, the KIM Regulation has expired. Good news for buyers: financing options are widening again.


The KIM Regulation, which had governed residential mortgage lending since 2022, is now officially history — and that is particularly significant for Kitzbühel.




What was the KIM Regulation?

  • Maximum 80% loan-to-value (LTV)

  • At least 20% equity required

  • Maximum term 35 years


With the regulation ending, the Financial Market Authority (FMA) is moving from rigid requirements to more flexible guidance. In practice, this means:

  • Banks have greater discretion

  • Financing above the 80% LTV threshold can be possible again

  • Different customer profiles can be assessed individually

  • Personal circumstances (e.g., higher income, stable employment) are weighted more fairly

Banks must, however, continue to ensure sustainable, responsible lending.


Opportunities for buyers — and sellers

The Tyrol Economic Chamber expects a market recovery in the second half of 2025. That could benefit the Kitzbühel region in several ways:

  • For buyers: More financing options and better negotiating positions thanks to a larger supply.

  • For sellers: Higher demand as more buyers can secure financing.

  • For investors: Improved chances of finding attractive yield properties.

Falling mortgage rates support this trend.


Bottom line: a turning point

The end of KIM doesn’t mean there are no guidelines anymore — but it reintroduces flexibility and individual assessment in mortgage lending. For Kitzbühel’s property market, this is likely a relief. 2026 looks like an opportunity for buyers: prices are stable to moderate, financing frameworks are broader, and rates are lower than two years ago.


Now is the time to speak to your bank — and to an experienced partner. As a full-service construction and real estate company, Frick GmbH helps you make the most of the new possibilities and ensures your dream project is not only financeable but also realistic in timing and budget.



Bmstr. Raphael Frick

Tel.: +43 650/3450236


Frick GmbH

Am Berg 31/Top 1

A-6391 Fieberbrunn







 
 
 
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