Why you should choose an authorized advisor when taking out a mortgage

Bilde av Knut Hagelien som har utmerkelsen autorisert rådgiver kreditt

Why you should choose an authorized advisor when taking out a mortgage

When you need to make important financial, mortgage or refinancing decisions, you need safe and independent advice. An authorized advisor can document up-to-date expertise and is obliged to follow the industry standard Good Practice and strict ethical rules.

November 19, 2025

At Eiendomsfinans, we authorize all our advisors to ensure competence, security and good choices for our customers.

→Reliable housing advice: authorization ensures the quality of the advice you receive from Eiendomsfinans

→Authorized credit advisor – extra security when applying for a home loan or refinancing

What does it mean that an advisor is authorized?

“Advisor” is not a protected title. Anyone can call themselves an advisor.
However, an authorized advisor has:

  • Passed a comprehensive knowledge test within their area of expertise (banking, insurance or investment)
  • Passed a separate ethics test
  • Passed a practical test where they have to show that they can use their ethical and professional competence in meeting customers
  • Committed to following the industry standard Good Practice in all customer care

This gives you as a customer an extra assurance that the advice you receive is professionally solid and ethically sound.

Customer interest first - also for mortgages

The authorization schemes are designed to ensure that the consumer’s interest always comes first. This means, among other things, that:

  • The advice will be based on your financial situation and needs
  • You will receive good and understandable information about relevant alternatives
  • You are always free to choose solutions other than the products suggested.

FinAut - authorization of advisors in the financial industry

Finansnæringens autorisasjonsordninger (FinAut) authorizes advisors who work in:

  • Banks
  • Insurance companies
  • Advisory companies

The aim is to ensure a high level of expertise and good ethics in all customer service in the financial industry.

When you take out a mortgage or make changes to your home finances, it is crucial that you get good advice. An authorized credit advisor has documented expertise and follows strict ethical rules. This gives you as a customer extra peace of mind when making important financial decisions.

Hallgeir Kvadsheim from Luksusfellen and Inkassoregisteret recommends using an authorized credit advisor when applying for a mortgage.

Abstracts:
How authorization gives you safer housing advice:

  • Authorized advisors have documented and updated expertise
  • They follow industry standards of good practice and a clear code of ethics
  • FinAut authorizes advisors in banking, insurance and consulting
  • You can easily check if your advisor is authorized at finaut.no
  • Both human and robo-advisors must meet the same requirements

Free and fast case management

With us, you will be assigned a dedicated advisor who will help you every step of the way. After
a pleasant conversation with you, we map out your financial situation.

This is what we can help you with

Authorized advisor

Read why it pays to use an authorized advisor. Learn how FinAut ensures competence and ethics in the

What is refinancing?

What is refinancing? Refinancing can be done in many ways. In this article, we show you several

Co-borrower

What is a co-borrower? If you take out a loan together with someone, this is called a co-borrower