Home loans
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 for your existing home. You can borrow up to 90% of the value of each property. This also applies to the home you already own, but are going to sell. In other words, you can’t expect 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 →
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 pre-qualificationletter is that we check with several banks to ensure you have good conditions. Together we find a reasonable term and the mortgage that suits your wishes and needs. This means you avoid spending time on a series of bank meetings, and you deal with a dedicated advisor who knows your story. Eiendomsfinans optimizes the loan application and does all the work of obtaining loan offers from relevant banks on your behalf.
Better interest rates on your mortgage
If you think that the interest rate on your mortgage is above the market average, it makes sense to check with your bank first to see 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 your current bank is unwilling to make adjustments to your interest rate, or if the changes are not good enough, it may be worth talking to us. We’ll quickly see if you can get better terms somewhere else, or possibly reassure you that your current interest rate is good enough.
New mortgage before you sell your old home?
If you want to buy a new home before you have sold your old one, you will need interim financing. We calculate how much money you can borrow in advance for your 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.
Financing certificate
Tip: The 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’re looking for a home, it’s a good idea to apply for a mortgage financing certificate well in advance. Then you’ll be sure of how much you can bid in a bidding round. If you have a financing certificate 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.
Conditions for mortgages
- Total debt should not exceed five times total annual gross income.
- Loans can be granted up to 90% of the property value/purchase price, security deposit is accepted for any missing equity.
- 10% of the purchase price + costs in equity.
Read more about:
Mortgage calculator
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 mortgage
Tips:
A real estate agent’s task will always be to secure the highest possible sales price for the seller. Therefore, remember that it’s a good idea to keep your financing certificate close to your chest so that the estate agent doesn’t know how much you can bid. Instead, ask the broker to call us to confirm the bid amount.
Tel: 32 88 00 00
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.
FAQ - Frequently asked questions about mortgages:
What is a mortgage?
A mortgage is a loan taken out to finance the purchase or refinancing of a home. Mortgages can be taken out from banks, financial institutions or other lenders, and can have different maturities and interest terms.
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. Mortgages can be taken out from banks, financial institutions or other lenders, and can have different maturities and interest terms.
What is a housing quota?
A mortgage is a loan taken out to finance the purchase or refinancing of a home. Mortgages can be taken out from banks, financial institutions or other lenders, and can have different maturities and interest terms.
What is an annuity loan?
A mortgage is a loan taken out to finance the purchase or refinancing of a home. Mortgages can be taken out from banks, financial institutions or other lenders, and can have different maturities and interest terms.
What is a serial loan?
A mortgage is a loan taken out to finance the purchase or refinancing of a home. Mortgages can be taken out from banks, financial institutions or other lenders, and can have different maturities and interest terms.
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