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It’s easier to hunt for a home when you’ve agreed on a loan in advance

When you’re planning to go home hunting, you should make a list of your priorities for a new home and what you’re willing to compromise on. This is more convenient to do if you have a preliminary loan offer with a preliminarily agreed loan sum from us. It will also make it easier for you to start charting the market in search of a new home.

Once you have found a suitable home, you can immediately place a conditional offer on it. However, if you think there might be other bidders for the home and you need to make a stronger offer, please get in touch with us.

Read more about making an offer

What’s the difference between a preliminary home loan offer and a loan promise?

What kind of home are you looking for?

Your personal circumstances often determine what kind of home you start looking for. Are you dreaming of an apartment in the city centre or a single-family house at the edge of a field?

Your circumstances also affect your choice of area. For a family with children, having a school or day care centre nearby can be an important criterion. Some people may prioritise easy access to public transport or having a shop within walking distance.

We recommend looking at many areas, even ones you never considered living in because sometimes an unfamiliar neighbourhood could surprisingly check all your boxes.

Five tips for house viewings

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Once you’ve found a home that suits your needs, you should quickly arrange to view it. 

You can find information on the housing company from the sales brochure and the property manager. Things to look out for are upcoming renovations, which will increase living expenses. You can ask more questions from the real estate broker when viewing the home.  

Read our tips for house viewings

Searching for a single-family house

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Hunting for a single-family house involves many of the same questions as searching for an apartment. The big difference is that, if you own a house, you alone are responsible for the entire property and its maintenance. 

Therefore, you might have more work in renovations and keeping your yard tidy. 

Read more about buying a house

Found a new home?

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Once you have found a suitable home, let us know about it and we’ll call you back to book a meeting. 

During the meeting, we can discuss the details of your loan and upgrade the preliminary loan offer to a loan promise. In addition, we can agree on the time of closing the transaction for your new home. 

Let us know you’ve found a home

Calculate your living expenses

In addition to your monthly loan payment, you shouldn’t forget about other living expenses, such as utility bills and insurance premiums. 

Housing companies collect a monthly charge for common expenses. If this charge is high for the home you are considering compared to other similar homes, you should find out the reason for this. The charge for financial expenses is a monthly payment towards the loan jointly held by shareholders in the housing company.  

Charge for financial expenses

When a housing company takes out a loan for renovations, the homeowners will pay a monthly charge for financial expenses to cover the loan payments and interest.

When you’re comparing living costs across apartments, check if you need to pay a charge for financial expenses, how much it is and how long the loan period is.

Read more about the charge for financial expenses

Energy efficiency classes

Every home is classified into an energy efficiency class,  which is often stated in the property listing. The energy efficiency classes range from A to G, with A being the highest and G the lowest. 

A higher energy efficiency class usually means a lower charge for common expenses in an apartment.

Read more about energy efficiency classes

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