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Flexible loan period

Choose the loan period that suits you best – up to 30 years.

FlexiPayment

Adjust your monthly loan payment free of charge whenever you want.

A wide range of perks

Our home loan customers can save up to hundreds of euros every year.

Asking for a home loan offer from us is easy online

You can ask for an offer from us if you already have a home loan from another bank or if you need a new home loan. How to get a home loan offer from us:

  1. Apply for a home loan online. You don’t have to be our customer, as you can log in to the application if you have online banking credentials from any Finnish bank. Submitting an application doesn’t cost you anything or oblige you to take out the loan from us. Apply now
  2. We will contact you in 1 to 2 days and set up an online meeting to negotiate on the loan.
  3. After you have negotiated on the loan with us, we will give you a preliminary loan offer which contains the details of the loan amount and margin we can offer you.

Read our detailed instructions for applying for a home loan

Consider these when you compare loan offers

When you compare loan offers, don’t just look at the margin – consider the services and benefits a bank offers as a whole.

Margin is always personal

When you’re considering comparing home loan offers, you may be tempted to ask from your family and friends about the margins they have been offered by banks. Remember, however, that the margin always depends on the borrower’s particular circumstances, so you should ask banks for an estimate of the margin that you qualify for.

Different banks may have different criteria for establishing the margin. We put the most focus on your ability to repay the loan, which depends on your income, spending and savings. Your loan margin is also influenced by the other banking services you opt for with us and the collateral you provide for the loan.

Read more about home loan interest and margin

Loyalty benefits may help you save on costs

When you’re comparing loan offers from different banks, you should also look at the other prices and benefits a bank offers. For example, how much do cards, other loans or investment services cost?

If you have a home loan from us, you can save up to hundreds of euros every year. As our home loan customer, you get our daily banking services free of charge when you have an account and a payment card with us and use our Nordea Mobile app. You are also entitled to get free investment advice and FlexiCredit at a lower margin. You can use FlexiCredit to make home improvements or other purchases, for example.

See all the benefits we offer to our home loan customers

Flexible loan features are also important

When you’re comparing loan offers, you should also pay attention to the features a bank’s home loan includes. Consider features such as the repayment options available and ways to adjust your loan during the loan period.

Our home loans come with many flexible features. First, you can choose a loan period that best suits you – it can be up to 30 years. If you want to change the loan period or take a payment holiday, you can easily apply for changes in Nordea Mobile or Netbank.

In addition, our home loans include the unique FlexiPayment feature, which allows you to adjust your monthly loan payment in Nordea Mobile or Netbank. You can decrease or increase your monthly payment when you need to – without asking us first. Using FlexiPayment doesn’t cost you anything.

Read more about our flexible home loans

Comparing offers when you already have a home loan

If you already have a home loan, it’s usual to compare offers from different banks when you’re planning to change homes. Another appropriate moment for finding the best loan deal is when you’ve been repaying your home loan for quite some time and you’re in a different financial situation than when you took out the loan. For example, if your financial situation has improved, you may qualify for better loan terms.

If you want to compare offers for your existing loan, you should start by checking your loan details and any additional services you may have linked to your loan. Find out how much you have already repaid and how much is still outstanding. Check also whether your loan has an interest rate hedge or insurance cover. If you’re planning to buy a new home, you should also consider if you will need a bigger loan. We will discuss your borrowing needs in more detail in the loan negotiation.

Frequently asked questions about finding the best home loan deal

Terms and conditions of a home loan
Fees and prices of a home loan

Interest and fees on a home loan

The biggest expenses in a home loan consist of the loan margin you have negotiated and the reference rate you have chosen, such as the 12-month Euribor. However, a home loan often includes other smaller expenses, including an initial opening fee or repayment fees. The total of all these costs is expressed through the annual percentage rate of charge (APR). 

Read more about Euribor rates

Example of a home loan and the APR

Example calculation: You take out a loan of 151,000 euros. The loan period is 23 years and the interest rate is 3.25% (October 2024). The APR is 3.4%, including an opening fee of 600 euros and a monthly fee of 2.50 euros for the automatic debiting of loan payments. The number of payments is 276. The total amount of the loan and loan costs is 216,956 euros. The monthly payment (annuity) is 781 euros. 

The amount of the loan, the loan period and the interest are a representative example for the home loans offered by Nordea. Please note that the example calculation above is indicative and does not necessarily correspond to the actual APR on the loan that you will be granted. You can check the fees and prices of our home loans from our tariff below. 

Read more about home loan interest

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