First home loan
With a first home loan, you get an extra low interest rate when you buy your first home, regardless of age.
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.
Pre-qualificationletter
Apply for a financing certificate via Eiendomsfinans.
The process is generally both simple and quick.
It is an advantage to have a financing certificate when you want to buy a home.
With a financing certificate, you show that you have the necessary funds to make the purchase.
This gives you advantages in a bidding round with short deadlines.
In addition, it is an advantage for the seller or broker to see the proof that you have financing in order.
Get help with first home loans
Having a conversation with a bank can be a little daunting for some, but the advisors at Eiendomsfinans are there to help and support you.
We explain banking in a simple way. We calculate how much you can get in a first home loan so that you don’t take out a loan that you can’t repay.
The advisor can also help you create a financial plan so you can buy your dream home faster.
We will send you a link that you can approve with your bank ID. Your adviser then collects information about your finances, for example tax returns and pay slips. All of this is sourced directly from Altinn and other government services. During the conversation with the adviser, you will find together the best solution for your finances and your needs.
What is a first home loan?
First home loan is a loan facilitated for young adults aged 18 to 34 who want to buy their first home.
This loan allows you to borrow up to 90% of the purchase price, and in some cases up to 100% if you have a guarantor.
You should be aware that you cannot borrow more than 5 times your income, including any other loans such as student loans and consumer loans.
Banks in Norway are regulated by Lending Regulations and you must be able to service the loan with an interest rate increase of 3 percentage points.
For those older than 34, it will depend on the individual bank whether you will be able to get a first home loan. Some banks also offer first home loans to people over the age of 34.
Pre-qualificationletter
Apply for a financing certificate via Eiendomsfinans.
The process is generally both simple and quick.
It is an advantage to have a financing certificate when you want to buy a home.
With a financing certificate, you show that you have the necessary funds to make the purchase.
This gives you advantages in a bidding round with short deadlines.
In addition, it is an advantage for the seller or broker to see the proof that you have financing in order.
First home loan or mortgage UNG?
Entering the housing market is demanding for many, and we’re here to help you apply for a first home loan. First home loan is the loan for you who are going to buy your very first home. First home loans have many advantages, such as the opportunity to get a mortgage with less equity at a lower interest rate.
Can you transfer your first home loan?
You have the option of transferring an existing first home loan from one bank to another, as long as the loan has not been changed in any way other than repayment.
If it’s not your first home you’re applying for a loan for, but you’re under the age of 34:
Conditions & facts about first home loans
→ Total debt should not exceed five times total annual gross income.
→ Loans can be granted up to 90% of the property value/purchase price, real security is accepted for any missing equity.
→ 10% of the purchase price + costs in equity.
→ You must be over 18 years old
→ You must be resident in Norway
→ You must be permanently employed or have an income that provides good financial ability to service the loan
→ You must be a first-time buyer
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 with your first home loan
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. Ask the broker to call us to confirm the bid price.
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.
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