Thomas Hval

Thomas Hval

helps you find the right bank, completely free of charge.

Eiendomsfinans works with a number of banks to find the bank that is best adapted to the individual customer. No bank is best for everyone, but I’ll find the right one for you. The work I do is completely free for you as a customer.

Call me on 900 85 294

e-mail: hval@eiendomsfinans.no

profile picture Thomas Hval

About Thomas Hval:

Hello, so nice that you want to read more about me.
My name is Thomas Hval and I have worked as a senior advisor at Eiendomsfinans for over 10 years. My motivation lies in finding the best solution for your financial needs.
Life has many phases, and the economy is constantly changing. Your situation is unique, and I will be able to help you realize your housing dream, new cabin, rental property, better loan conditions or refinance unsecured and defaulted debt.

Through personal follow-up, I will optimize your loan application with several banks, so that we find the right bank just for you! You only tell your story once, I work to ensure that you achieve the lowest possible cost of your loans.

Contact me and we will see how we can achieve your goal. You can reach me by phone, e-mail or you can apply directly via the application form on this page and I will get in touch.

We talk!
Mr. Thomas Hval

Some of the products we can help you with:


Refinance mortgage

Refinancing can be done in several ways. We help you calculate what suits you best. If you want to refinance your mortgage to renovate, build, gather small loans or change conditions, you can also read more about refinancing here.

Refinance expensive small loans

At times in their lives, many people find that they have piled up 20,000 here and 30,000 there on various credit cards and consumer loans. The interest on such loans is often between 14-24%, so here it pays to combine everything into one consumer loan. We can help you collect expensive small loans without having to have security in your home.

Delete payment notes

Deleting payment notices gives you a fresh start if you have ended up in a situation with debt collection and payment notices. We will then help you with a new loan to collect all debts and make sure that you have payment notices deleted.

New mortgage

First time buying a home? Or do you want to invest in home no. 2? Then you need some good advice and, not least, a proof of financing. We quickly calculate how much you can expect to be approved for the purchase of a new home.

Intermediate financing

Intermediate financing / bridge loan usually has a term of up to six months, with the possibility of a few months’ extension. This means that you can own two homes for up to approx. half a year. When you or the broker receive the settlement for the home you have sold, the intermediate financing is paid back to the bank.

Restart loan

Restart loans are used to pay off loans with notes and you can consolidate all debts into one loan.
Restart loans are often intended as a temporary solution to help you move on, so that you can rebuild your finances over time and have payment notices deleted.

First home loan

With a first home loan, you get an extra low interest rate when you buy your first home – regardless of age.
Entering the housing market is challenging for many, and we are there to help you apply for a first home loan.

Senior loan

A loan for you over 60 years old with funds saved in your home. It doesn’t matter what your income is, only your age and the value of your home. You pay 0,- per month. on the loan. The interest cost is repaid when the home is sold. Read more about Senior Loans here.

Personal insurance

People who become disabled at a young age risk becoming one of tomorrow’s minimum pensioners. Disability insurance covers loss of income due to disability. This protects you financially against incapacity for work as a result of illness or injury. Read more about personal insurance here.

Controlling the finances can be challenging enough for A4 customers with a permanent job, home and children.

Many people are not aware that even those who are struggling with their finances can get good solutions in the bank. In recent years, there have been many banks that specialize in customers who do not have an A4 economy.

Defaulted debts, debt collection, consumer loans and credit cards have become more common than one would think. Fortunately, there are also many opportunities here for you who have found yourself in such a situation. I am very keen to help customers gain control over their finances through budgets, tips and advice, but also to find solutions to challenges that can be turned into opportunities.

Call me, or leave your contact information and I will get in touch for a pleasant and, of course, confidential chat about your personal finances.

Home loans, refinancing and intermediate financing

Mortgages and refinancing can be difficult to understand. What will you get for your home, what should you do in a bidding round, why has your bank said no? If you choose to buy a new home before you have sold the old one, you will need intermediate financing.
I will help you from start to finish, and together we will find the way. We work with many banks and there are therefore many solutions. Get in touch, and I will quickly find out which of our cooperating banks will suit you best – no bank is best for everyone.