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Thank you for taking out a home loan from us

We are glad to have you as our home loan customer. Your home loan is now an important part of your household’s finances. We hope that you enjoy your new home to the fullest.

Don’t forget to also move your income to your Nordea account. It’s easy – simply inform whoever pays your salary or benefits of your new account number.

Once you have transferred your salary account to us, you can handle all your banking conveniently in the same place in Nordea Mobile and Netbank. And you can always contact us through the chat or phone when you need personal advice.

How to contact us

See the details of your home loan in Nordea Mobile and Netbank

You can see the reference rate, the start and end date of your interest rate period and the amount of FlexiPayment you have available.

  • In Nordea Mobile, you can check your loan details by going to the Overview page and selecting Loans. 
  • In Nordea Netbank, your home loan details are available on the Finances tab, under Loans.

Read more about and install our award-winning mobile banking app

Your first monthly payment may differ from what was agreed

The first monthly payment on a home loan may be larger than normal if you have to pay interest for more than one month. 

  • For example, you may have to pay interest for 1.5 months if you draw down your loan on 16 August but make the first payment on 1 October.

Tip: You will see the Next payment button under your loan details in Nordea Mobile and Netbank two weeks before the monthly payment due date. By pressing this button, you will see a more detailed breakdown of your monthly payment.

See your benefits as our home loan customer

Our home loan provides a lot of flexibility and also gives you access to many discounts from us.

For example, you get the Mobile Plus package with no monthly fee if you use Nordea Mobile and have a current account and one of the following cards included in the package: Nordea Gold, Nordea Credit or Nordea Debit. The Mobile Plus package also includes access to Nordea Netbank. 

Other perks include a lower margin on FlexiCredit.

See all your benefits

Take advantage of the flexible features of your home loan

Home loans are usually repaid over a long period of time – sometimes up to 30 years. While you have a loan, your circumstances may change one way or the other, but you can take advantage of the flexible features of your home loan.

Note that FlexiPayment is not available for loans that have a state guarantee, an interest subsidy or a fixed interest rate.

Use the unique FlexiPayment feature

You can adjust an individual monthly payment of your home loan using the FlexiPayment feature. It allows you to decrease or increase the monthly payment in Nordea Mobile or Netbank whenever you want without asking us first.

Read more about FlexiPayment

Apply for changing your repayment schedule

You can apply to change the repayment schedule of your home loan if you plan to take a longer payment holiday or to change the reference rate or repayment method of your home loan.

Read more about changes to the repayment schedule

Free payment holiday for people on parental leave

You can get a payment holiday of up to six months free of charge if you apply for one when you’re on parental leave. During the payment holiday, you only pay interest and expenses on your home loan.

Read more about the benefit

How to make an extra repayment

If you want to make an extra repayment on your loan, FlexiPayment allows you to do so easily. Log in to Nordea Mobile or Netbank, where you can adjust your due payment to the amount you want to pay.

If your loan doesn’t include FlexiPayment, please contact us for help with making the extra repayment.

Frequently asked questions about home loans and their flexible features

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