BOLIGLÅN

With us, you get good advice and competitive offers before your new home purchase. The advantage of using us when you apply for financing certificates is that we check with several banks to ensure you good offers. Together we find a reasonable term and the mortgage that suits your wishes and needs. Then you avoid spending time at a number of bank meetings, and you relate to one permanent adviser who knows your story.

You can also read more on our pages about: bridgeloan, refinance mortgage, delete payment remarks, collect expensive small loans, and seniorloan

Better interest rates on mortgages

If you think the interest rate on your mortgage is above the average interest rate in the market, it makes sense to talk to the bank first to hear if they are willing to adjust it. See Finansportalen for more information on mortgage rates at the various banks.

If the bank 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 achieve better conditions elsewhere, or possibly make sure that the interest rate you have is good.

Easier than many think to switch to a new bank

If we find that another bank is willing to give you a better interest rate, it is easy to move the mortgage. We do all the work in advance, and guide you through the process. Anyone with a bank ID can sign a loan document electronically from most banks (this applies to refinancing, not a new purchase). When exchanging accounts, most banks offer help with the transfer of, for example, contractual giros. You only fill out a bank exchange form.

Expectations / conditions

Total debt should not exceed five times the total annual gross income. Loans can be granted up to 85% of the home value / purchase price, mortgage / side security is accepted for any lack of equity. To be granted a mortgage, you must have a minimum of 15% of the purchase price + costs in equity, or security in another property (for example, there may be security in the parents’ home).

Buying a home before you sell the old one?

If you want to buy a new home before you have sold your old one, you will need intermediate financing. We calculate how much money you can raise in existing housing.