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Flexible loan period

We will agree on a suitable repayment period for you – it can be up to 40 years.

FlexiPayment

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

A wide range of perks

Choose us for all your banking needs and enjoy the valuable benefits we offer.

Asking for a home loan offer from us is easy online

Moving your loan to Nordea is worth it because we provide the most flexible home loan on the market with an adjustable loan period. Additionally, you’ll get valuable benefits when you choose us for all your banking needs.

Discover your home loan benefits

How to get a home loan offer from us

  1. Apply for a home loan easily online. You can verify your identity on the application using another Finnish bank’s online banking credentials if you’re not our customer yet.
  2. We’ll contact you to set up an online meeting to negotiate on the loan.
  3. After the meeting, you will get a preliminary loan offer from us. A preliminary loan offer is free of charge and doesn’t commit you to taking out a loan from us.

Read our detailed instructions for applying for a home loan

Make a preliminary calculation and apply

Consider these when you compare loan offers

When comparing home loans, you should consider the loan margin as well as the bank’s other services and benefits as a whole.

Margin is always personal

When considering requesting home loan offers, you may be tempted to ask your family and friends about the margins they have been offered by their banks. However, the home loan margin is always personal. That’s why you should ask for personal offers to gain an accurate estimate of your own margin.

Read more about the home loan interest rate and margin

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. Our home loans come with many flexible features. You can get a loan period of up to 40 years, adjust individual monthly payments free of charge with FlexiPayment or apply for changes to your repayment schedule conveniently through Nordea Mobile or Netbank.

Read more about our flexible home loans

Save on your daily expenses with our customer benefits

When you’re comparing loan offers from different banks, you should also look at the other prices and benefits a bank offers. How much are you paying for your cards, other loans or insurance, for example? If you take a home loan from us, you will qualify either as a Value Customer or a Premium Customer depending on how much you bank with us. 

Examples of your benefits:

  • Gold package with the cashback benefit for less than one euro per month or Blue package with daily banking services free of charge.
  • 15% discount on Nordea MyLife personal insurance plus a 5% payment method discount when you pay your insurance premium together with your monthly home loan payment.
  • 25% discount on your first insurance period if you take out a new home insurance policy from If.
  • You can get unsecured FlexiCredit with a lower margin.

Home insurance policies are issued by If P&C Insurance Ltd (publ), branch in Finland, and MyLife personal insurance policies are jointly issued by Nordea Life Assurance Finland Ltd and Nordea Insurance Finland Ltd. Nordea Bank Abp acts as an agent for If P&C Insurance Ltd (publ), branch in Finland, Nordea Life Assurance Finland Ltd and Nordea Insurance Finland Ltd.

Explore our Loyalty Programme

Read more about our service packages

Comparing offers when you already have a home loan

If you have a home loan from another bank, why not ask us for a competing offer? Our preliminary loan offer doesn’t commit you to taking out a loan from us. For example, if your financial situation has improved, you may qualify for better loan terms if you switch to us.

When asking for a loan offer, all you need to do is check the amount of your old loan and submit a home loan application to us.

Read more about transferring your home loan

Seeking a new loan when switching homes

If you’re planning to switch homes, it’s usually a good time to request competing offers for your home loan. You can request an offer by applying for a loan even if you haven’t found your new home yet. 

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.

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 160,000 euros. The loan period is 23 years and the interest rate is 3.21% (March 2026). The APR is 3.4%, including an opening fee of 640 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 228,767 euros. The monthly payment (annuity) is 824 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.

Read more about home loan interest

Apply for a home loan

Make a preliminary calculation and apply

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Personal customers