Mortgage
Here you can apply for a new loan, increase your loan or
move your mortgage. Get the mortgage that suits
you and your lifestyle best.
This is how we help you:
Fill in the application form
It only takes a few minutes and is completely
free and non-binding for you.
We talk to the banks
Your advisor will talk to our partners and find the
best solution for you.
Receive a non-binding offer
Once we've landed the solution we
most believe in, we'll contact you for a
no-obligation quote.
New mortgage before you sell your old home?
If you want to buy a new home before you’ve sold your old one, you’ll need interim financing. We calculate how much money you can borrow in advance in an existing home. You can borrow up to 90% of the value per property. This also applies to the home you already own, but are going to sell. So you cannot count on being able to borrow 100% of your saved value/capital.
Example: The value of the home is 6 million and the mortgage on it today is 3 million. You can then have a maximum loan + interim financing within 90% of the value, which is then 5.4 million (6 million x 90%). You already have 3,
million in mortgages and can get an extra 2.4 million in interim financing.
Read more about annuity loans vs serial loans here →
Mortgages on tender
With us, you get good advice and competitive offers before your new home purchase. The advantage of using us when you apply for a financing certificate is that we check with several banks to ensure good conditions. Together we find a reasonable term and the mortgage that suits your wishes and needs. Then you avoid spending time in a series of bank meetings, and you deal with a permanent adviser who knows your history. Eiendomsfinans optimizes the loan application and does the whole job of obtaining loan offers from relevant banks on your behalf.
Better interest on the mortgage
If you think that the interest rate on your home loan is above the average interest rate in the market, it makes sense to have a round with the bank first to find out if they are willing to adjust it. See Finansportalen for more information about mortgage rates at the various banks, or ask us. We have a very good overview of the banking market.
If the bank you have today is not willing to make adjustments to your interest rate, or if the changes are not good enough, it may be worth talking to us. We will quickly see if you can obtain better terms elsewhere, or possibly make sure that the interest rate you have today is good enough.
New mortgage before you sell your old home?
If you want to buy a new home before you’ve sold your old one, you’ll need interim financing. We calculate how much money you can borrow in advance in an existing home. You can borrow up to 90% of the value per property. This also applies to the home you already own, but are going to sell. So you cannot count on being able to borrow 100% of your saved value/capital.
Example: The value of the home is 6 million and the mortgage on it today is 3 million. You can then have a maximum loan + intermediate financing within 90% of the value, which is then 5.4 million (6 million x 90%). You already have 3,
million in mortgages and can get an extra 2.4 million in interim financing.
Read more about annuity loans vs serial loans here →
Pre-qualificationletter
Tip: The real estate agent’s task will always be to secure the highest possible sales price for the seller. Remember, therefore, that it’s a good idea to keep your
financing certificate close to your chest so that the broker doesn’t know how much you are able to bid. Instead, ask the broker to call us to confirm the bid amount.
If you are house hunting, apply for a financing certificate for a mortgage. Then you are sure of how much you can bid in a bidding round. If you have proof of financing in place before the bidding round starts, you can also bid without reservations about financing,
, which can be an advantage in bidding rounds with many bidders.
Read more about annuity loans vs serial loans here →
Conditions for mortgages
- Total debt should not exceed five times total annual gross income.
- Loans can be granted up to 90% of the value of the property/purchase price, real security is accepted for any missing equity.
- 10% of the purchase price + costs in equity.
Totalbeløp
Kostnad
Etabl.gebyr
Termingebyr
Effektiv rente
This is how we help you:
Fill in the application form
It only takes a few minutes and is completely
free and non-binding for you.
We talk to the banks
Your advisor will talk to our partners and find the
best solution for you.
Receive a non-binding offer
Once we've landed the solution we
most believe in, we'll contact you for a
no-obligation quote.
We can help you clear up your debts
Through our partnerships with several banks and credit institutions,
we have extensive knowledge of the solutions and products available.
Together we review your financial situation, obtain an overview
of payment reminders and find an optimal solution for you.
- Børge Finsæther, Eiendomsfinans Harstad
Free and quick case management
With us, you will be assigned a permanent advisor who will help you throughout. After
a pleasant conversation with you, we map your financial situation.
FAQ - Frequently asked mortgage questions
What is a mortgage?
A mortgage is a loan taken out to finance the purchase or refinancing of a home. Home loans can be taken out from banks, financial institutions or other lenders, and can have different terms and interest rates.
How is the interest rate on a mortgage calculated?
A mortgage is a loan taken out to finance the purchase or refinancing of a home. Home loans can be taken out from banks, financial institutions or other lenders, and can have different terms and interest rates.
What is a housing quota?
A mortgage is a loan taken out to finance the purchase or refinancing of a home. Home loans can be taken out from banks, financial institutions or other lenders, and can have different terms and interest rates.
What is an annuity loan?
A mortgage is a loan taken out to finance the purchase or refinancing of a home. Home loans can be taken out from banks, financial institutions or other lenders, and can have different terms and interest rates.
What is a serial loan?
A mortgage is a loan taken out to finance the purchase or refinancing of a home. Home loans can be taken out from banks, financial institutions or other lenders, and can have different terms and interest rates.
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