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Make the most of our flexible loan features when repaying your loan

You can repay your home loan slower or faster if you want, as our home loan provides flexibility in both directions. There are several ways to decrease or increase your monthly payment.

Many of our customers use our free FlexiPayment feature to reduce their monthly loan payment when they need to. If you instead want to pay back your loan faster, you can use FlexiPayment to pay more than the usual amount – either temporarily or every month. 

Another way to make changes to your monthly loan payment is to fill in our application form in Nordea Mobile or Netbank.

Our FlexiPayment feature is often the easiest way to pay off your home loan early

FlexiPayment is a feature that allows you to adjust your monthly loan payment in Nordea Mobile or Netbank. You can decrease or increase your loan payment when you need to – without asking us first. 

There’s no maximum limit to increasing your loan payment, so you can use FlexiPayment to pay off your entire home loan if you so choose. 

Please note that sometimes you may still have to make one final payment which consists of the accrued interest on the loan after you have paid off the loan itself.

Read more about FlexiPayment

Should you pay off your home loan early or save money?

We often recommend saving while repaying a loan because compounding may work in your favour and earn you a better return than what you would save in interest expenses by paying off your loan faster.

Calculate how much you could save while paying back your loan

Request changes to your repayment schedule easily online

Besides using FlexiPayment, you can apply to change your previously agreed monthly payment. Whether you want to adjust your monthly payment or pay off your entire loan, simply fill in our handy form in Nordea Mobile or Netbank. 

You can also request to take a payment holiday for several months or perhaps for the duration of your parental leave. It’s also possible to change the repayment method of your home loan or the due date of your monthly payment. Changes to your repayment schedule are subject to a fee but you get them for a lower price when you apply for the changes in Nordea Mobile or Netbank.

Read more about payment holidays and other changes to your repayment schedule

Find your home loan repayment schedule in Nordea Mobile or Netbank

When you take out a home loan from us, we agree on a personalised schedule for your loan repayment. You can find your repayment schedule under ‘Loans’ on the Overview tab in Nordea Mobile and under ‘Loans’ on the Finances tab in Nordea Netbank.

In your loan details and repayment schedule, you can see:

  • the principal repaid and the amount left to pay
  • your total interest rate, reference rate and the start and end date of the current interest rate period
  • your instalment
  • your available FlexiPayment amount
  • your payment type
  • the date of your final payment and the number of payments left.

Frequently asked questions about paying off a loan early

Kids working with the project.

Regular saving

If you haven’t started saving yet, would now be a good time? We’ll help you get started – in the way you prefer!

Read more about monthly saving

Student loan repayment schedule

The repayment of your student loan will begin 1.5–2 years after your graduation. The repayment schedule is tailored to your needs, taking into account your repayment ability.

Read more about the repayment of student loans

Worried about your loan repayments?

If you're struggling with your repayments, don't be afraid to contact us or to apply for changes to your repayment schedule.

Read about what to do if you’re having trouble repaying your loans.

Need help?

Personal customers