Nordea’s home loan benefits

The more you do your daily banking with us, the more valuable benefits you’ll have access to. If you have a home loan from us, you qualify either as a Value Customer or a Premium Customer, depending on how much you bank with us, and you can take advantage of these benefits:

• Free FlexiPayment feature that allows you to adjust your monthly home loan payment flexibly in Nordea Mobile and Netbank.
• Gold package with the cashback benefit for less than one euro per month or Blue package with daily banking services free of charge. 
• First-class Nordea Platinum card, which includes travel benefits and cashback for an affordable package price for Premium Customers.
• A wide selection of funds and ETFs, management fees starting from 0%. Our new Nordea Nordic Index Select Fund has a management fee of 0% until the end of 2027 and a management fee of 0.19% from 1 January 2028.
• A discount of up to 20% on Nordea personal insurance when you have a home loan or other secured loan from Nordea.
• You can get unsecured FlexiCredit with a lower margin.

Discover our benefits for Value Customers

See all the benefits we offer to our Premium Customers

We have made an example calculation that shows how a 35-year-old Value Customer can save more than 800 euros per year with our customer benefits.

The customer has a Gold package with Nordea Gold and Nordea Debit cards, a current account and online banking credentials. The customer gets the package price, as they use Nordea Mobile and have their salary paid into their Nordea account.

Nordea Gold includes travel insurance for trips abroad, which means that the customer can cancel their previous travel insurance, which cost 80 euros per year. Thanks to the cashback benefit included with the Nordea Gold card, they’ll also earn 80 euros per year back when they spend an average of 1,333 euros per month on their credit card.

The customer lives in a single-family house and their If home insurance policy costs 500 euros per year. The customer has taken out a life insurance policy for 100,000 euros, a critical illness insurance policy for 50,000 euros and a permanent disability insurance policy for 50,000 euros. The customer has a home loan and pays their insurance premiums in connection with their loan repayments.

• The discount on If home insurance policies applies to all Nordea customers. If's insurance policies are issued by If P&C Insurance Ltd (publ), branch in Finland, for which Nordea Bank Abp acts as an agent.
• The 20% discount on Nordea MyLife personal insurance policies applies to customers who have a loan from Nordea and pay their insurance premiums together with their loan instalment. The insurance policies are provided by Nordea Life Assurance Finland Ltd or Nordea Insurance Finland Ltd, for which Nordea Bank Abp acts as an agent.
• The margin discount for FlexiCredit is calculated for the first 12 months. The example uses a loan amount of 10,000 euros, a monthly payment of 250 euros and a 3-month Euribor rate of 2.2%.

Our home loan comes with many flexible features to support you through every twist and turn of life. Note that FlexiPayment is not available for loans that have a state guarantee, an interest subsidy or a fixed interest rate.