Refinance your mortgage or mortgage loan
Some want to refinance the mortgage to achieve better interest rates, others want to borrow on housing. Maybe mortgage is the best solution for you? Whatever your needs, we help you find the mortgage with the loan terms that are right for you. Contact us and we will help you obtain an offer for refinancing your mortgage.
We help you find the right bank to refinance your mortgage:
All our services are free for you as a customer, because we are remunerated by the banks we work with. The offer or offers we present to you are non-binding. Get in touch to refinance your mortgage.
Personal follow-up is the key word with us. You get a permanent advisor who sees your entire financial picture before refinancing your mortgage. This allows us to advise you on changes you should consider in order to achieve the lowest possible cost on your loans.
Many years of experience
Since 1993, we have helped tens of thousands of customers find the right bank and loan product when they want to refinance their mortgage. No similar company in Norway has our selection of partners in housing finance.
Should you choose an annuity loan or serial loan when refinancing your mortgage?
Annuity is the most common form of loan. Then you pay the same monthly amount throughout the term of the loan, provided that the interest rate level is stable. The monthly amount consists of installments and interest expenses. In the beginning, the installment part is smaller, and the interest part larger. As the loan is repaid, the installment portion increases and the interest portion decreases.
An annuity loan has the same installment amount each month, which makes the product predictable. Therefore, it is good if you like predictability and want a slightly more spacious economy. Annuity loans are a good option for those who are going to buy their first home, renovate or start a family.
A serial loan may be suitable for you who borrow less than your borrowing capacity can withstand, because you can afford to pay it. With a serial loan, you repay the loan with a higher installment amount in the beginning, and you will have less and less to pay as the loan is repaid. The result is that the monthly amount is smaller for each payment to the bank. If you can afford to maintain the large payments at the start of a serial loan, you will pay less interest in total over 25 years, than with an annuity loan with the same term.
Alternatively, an annuity loan with a shorter term can be at least as favorable. It may also be suitable for you who have plans for the future or are aware of upcoming changes in your own finances, such as retiring before the loan is repaid. Talk to us about refinancing your mortgage
Try our loan calculator | refinance your mortgage
Nom. rente (%) Den effektive renten er nominell rente pluss eventuelle gebyrer. Den forteller hva lånet faktisk vil koste deg.
Effektiv rente: 2.10%
Etableringsgebyr: kr 1500
Termingebyr: kr 45
kr 8 570,86
Totalpris over 25 år:
kr 2 572 756,58
|År #||Terminbeløp||Avdrag||Renter og gebyr||Totale renter og gebyr||Balanse|
|1||kr 104 350,26||kr 63 929,62||kr 42 460,65||kr 42 460,65||kr 2 000 000,00|
|2||kr 102 850,26||kr 63 710,34||kr 39 679,92||kr 80 100,57||kr 1 938 110,38|
|3||kr 102 850,26||kr 65 017,57||kr 38 372,69||kr 117 933,26||kr 1 874 940,04|
|4||kr 102 850,26||kr 66 351,85||kr 37 038,41||kr 154 431,67||kr 1 810 462,47|
|5||kr 102 850,26||kr 67 713,74||kr 35 676,52||kr 189 568,19||kr 1 744 650,61|
|6||kr 102 850,26||kr 69 103,82||kr 34 286,44||kr 223 314,63||kr 1 677 476,87|
|7||kr 102 850,26||kr 70 522,66||kr 32 867,60||kr 255 642,23||kr 1 608 913,05|
|8||kr 102 850,26||kr 71 970,86||kr 31 419,40||kr 286 521,64||kr 1 538 930,39|
|9||kr 102 850,26||kr 73 449,03||kr 29 941,23||kr 315 922,87||kr 1 467 499,53|
|10||kr 102 850,26||kr 74 957,79||kr 28 432,47||kr 343 815,34||kr 1 394 590,50|
|11||kr 102 850,26||kr 76 497,77||kr 26 892,49||kr 370 167,84||kr 1 320 172,71|
|12||kr 102 850,26||kr 78 069,62||kr 25 320,64||kr 394 948,48||kr 1 244 214,94|
|13||kr 102 850,26||kr 79 673,99||kr 23 716,27||kr 418 124,75||kr 1 166 685,32|
|14||kr 102 850,26||kr 81 311,57||kr 22 078,69||kr 439 663,44||kr 1 087 551,33|
|15||kr 102 850,26||kr 82 983,03||kr 20 407,23||kr 459 530,67||kr 1 006 779,76|
|16||kr 102 850,26||kr 84 689,09||kr 18 701,18||kr 477 691,85||kr 924 336,72|
|17||kr 102 850,26||kr 86 430,44||kr 16 959,82||kr 494 111,67||kr 840 187,64|
|18||kr 102 850,26||kr 88 207,84||kr 15 182,43||kr 508 754,09||kr 754 297,19|
|19||kr 102 850,26||kr 90 022,01||kr 13 368,25||kr 521 582,34||kr 666 629,35|
|20||kr 102 850,26||kr 91 873,73||kr 11 516,54||kr 532 558,88||kr 577 147,34|
|21||kr 102 850,26||kr 93 763,76||kr 9 626,50||kr 541 645,39||kr 485 813,62|
|22||kr 102 850,26||kr 95 692,91||kr 7 697,36||kr 548 802,74||kr 392 589,86|
|23||kr 102 850,26||kr 97 661,97||kr 5 728,29||kr 553 991,03||kr 297 436,95|
|24||kr 102 850,26||kr 99 671,79||kr 3 718,48||kr 557 169,51||kr 200 314,98|
|25||kr 102 850,26||kr 101 723,19||kr 1 667,07||kr 558 296,58||kr 101 183,19|
Refinancing with security in housing
We collaborate with several banks and credit institutions, and therefore have a lot of knowledge about the solutions and products that exist. Together, we review your financial situation and find an optimal solution for you when you need to refinance a mortgage.
Home equity credit line: pay what you want and when you want
A mortgage is repaid according to a fixed repayment agreement. Home equity credit line, on the other hand, gives you a credit line (loan amount) based on the value of your property with a mortgage on your home. You can have a home equity credit line up to 60% of the value of the home.
The loan framework can be used for whatever you want, and you can move money to and from the loan account when it suits you. You decide when and how much is repaid, as long as you are within the agreed credit limit. This type of loan is also called a flexible loan and a framework loan. You only pay interest on the part of the loan you use at any given time, and can use it as a combined loan and savings account.
Talk to us about home equity credit line, in some cases it is a very good product, but not always. Sometimes loans with a grace period can be better. We will tell you why and explain the difference.
You are granted a home loan of two million, but really only need 1.3 million because that is the amount you have in arrears today. Then you have 700,000 available in the loan account if you need the money in the future. Maybe you want to renovate, buy a cottage or take an extra holiday trip? As long as the extra 700,000 is in the loan account, you do not pay interest on the amount.
If you transfer 100,000 to your current account, interest will accrue on this money, and you will then have to pay interest next month for a loan of 1.4 million. Maybe you will get 50,000 back on the tax, or holiday pay, then you can deposit this money on the loan account and pay interest for 50,000 less the following month. This way you can flexibly move money back and forth in the loan account.
Contact us if you want to refinance your mortgage loan.
Tip: For those of you who tend to make expensive impulse purchases, you may want to avoid home equity credit line, as the flexibility and availability such a loan gives you can make you spend more money than you originally intended.
Loans without installments - only pay interest for a period
Deduction exemption can be granted on loans that have security within 60% of the value of the home. If you own several properties, the loan must not be higher than 60% of the total value of the properties.
With a grace period, you only pay interest on your loan. If you want to pay installments occasionally, you can. The grace period is granted for up to five years at a time and can be renewed if you have paid interest on time according to the repayment schedule.
Contact us if you want to refinance a mortgage with a grace period.
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