1. Applying for a home loan

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Whether you’re buying a home for the first time or changing homes, buying a new home always begins with filling in a home loan application. You can fill in and submit the application conveniently online, and we will call you in 1 to 3 days.

How to apply for a home loan

2. Loan negotiation

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After we have called you, you will negotiate on the loan with us. If necessary, the meeting can be arranged quickly, in one or two banking days. You can have the meeting online or in branch. After the meeting, you will get a preliminary loan offer from us.

Read about how to prepare for a loan negotiation

3. Searching for a home

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The preliminary loan offer tells you how much you can borrow from us. The next step is to start searching for your new home. 

We can give you valuable tips regardless of whether you’re looking for an apartment or a house.

See our home hunting tips

4. Finding a home

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Contact us through the ‘I have found my new home’ form and send us the details of the home you’re planning to buy to get a loan promise from us. 

Once you have completed the form, we will call you on the next banking day or sooner to agree on how your home journey will continue.

Let us know that you have found a home

5. Closing on a home

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We will book a meeting with you before the home deal is finalised to agree on the loan details and timing.

You can close a home deal fully digitally when it involves a real estate agent. Another option is to close the deal in person at one of our branches.

Read more about closing on a home

Congratulations on your new home!

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We hope that your journey into your new home has been smooth. To keep it that way, don’t forget to register your new address with the authorities. 

You will get many valuable perks when you have a home loan from us and choose us for all your banking needs. One of these perks is the free FlexiPayment feature.

Read about your perks and FlexiPayment