Skip menuLog in to Nordea NetbankLog in to Nordea Business

FlexiPayment

Adjust the instalment on your home loan free of charge whenever you want.

Flexible loan period

Choose the repayment period that suits you best – it can be up to 30 years.

Loyalty discounts

If you do all your banking with us, you can save up to hundreds of euros every year.

The most flexible home loan on the market

What if you could repay your home loan faster or slower depending on your circumstances? Or what if you could decrease or increase your monthly loan payment without asking us first?

When you take out a home loan from us, you get our unique FlexiPayment feature, which makes loan repayment more flexible. FlexiPayment can be added to home loans that have a floating rate but no state guarantee or interest subsidy. It allows you to adjust your monthly loan payment in Nordea Mobile or Netbank whenever you want.

Our home loan is flexible when your life takes a new direction. For example, you can apply for a payment holiday for the duration of your parental leave or change the due date of your monthly payment if your payday changes. Apply easily for changes to your home loan’s repayment schedule online.

Your loan will also have a flexible repayment period, as the loan period can extend up to 30 years. Use our home loan calculator to see how the loan period affects the monthly payment and the total loan costs.

Try our home loan calculator

Apply for a flexible housing loan online

Confirm or continue filling in the application

Adjust your monthly payment free of charge

Read more about FlexiPayment

Changes to the repayment schedule

Read about payment holidays and other changes

How big of a home loan could you get?

Find out the home price you could afford with our calculator

If you have a home loan from us, you can save hundreds of euros every year

You will get valuable perks if you take out a home loan from us and choose us for all your banking needs. For example, you will get our daily banking services free of charge when you have an account and a payment card with us and use our Nordea Mobile app. 

Other perks include a lower FlexiCredit margin and a quicker access to discuss loans with Nordea Customer Service when you call from Nordea Mobile with your identity verified.

Read more about perks for home loan customers and see example calculations

We are happy to help you find the best home loan

We will always design you a home loan that suits your circumstances, and our experts will help you make the decisions related to loan repayment. When you apply for a home loan, you don’t need to know which loan period, repayment method or reference rate you want. We will discuss these at the loan negotiation and present you with options that you can use to protect your loan against the unexpected.

Start by filling in our home loan application, submit it to us and we will invite you to a loan negotiation.

See further instructions on how to apply for a home loan

Not banking with us yet?
Fees and prices of a home loan
Terms and conditions of a home loan

Are you a customer of another bank? You can get a loan offer from us

If you want to compare home loans, you can easily do it online – even if you are not our customer. If you have online banking credentials from another Finnish bank, you can log in to our home loan application and apply for a preliminary loan offer free of charge.

The preliminary loan offer contains the details of the loan amount and margin we can offer you, but you have no obligation to take out a loan from us.

If you’re not our customer yet, you can receive and sign agreements and send documents through our encrypted digital mailbox service Nordea Omaposti.

Read more about comparing home loan offers

See how to use Nordea Omaposti

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 161,000 euros. The loan period is 23 years and the interest rate is 2.73% (April 2025). The APR is 2.9%, including an opening fee of 644 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 219,117 euros. The monthly payment (annuity) is 792 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. You can check the fees and prices of our home loans from our tariff below. 

Read more about home loan interest

Common fees on home loans

ItemPrice

Arrangement fee*

0,4% but at least 300 €
Increased arrangement fee for a loan with a third-party pledge or guarantee
The increase is not applied to interest-subsidised ASP loans		100,00 €
Partial drawdown30,00 €
Automatic debiting of repayments of loans drawn down before 1 February 2021, per debit2,30 €
Automatic debiting of repayments of loans drawn down after 31 January 2021, per debit
2,50 €

Adding FlexiPayment to a home loan in Nordea Mobile or Netbank
(Adding FlexiPayment to an existing home loan always requires automatic debiting of loan payments, which is subject to a fee set in our tariff)

0,00 €

Adding FlexiPayment to a new home loan by an employee at a branch or by phone/with a message through Nordea Customer Service

0,00 €
Adding FlexiPayment to an existing home loan by an employee at a branch or by phone/with a message through Nordea Customer Service
(Adding FlexiPayment to an existing home loan always requires automatic debiting of loan payments, which is subject to a fee set in our tariff)
250,00 €
Advance notice of loan debiting by letter or through Netbank0,00 €
Loan payment, paper invoice4,10 €
Payment reminder to the borrower, guarantor or third-party pledger (per reminder)5,00 €
Change to repayment schedule in Nordea Mobile or Netbank150,00 € 
Change to repayment schedule by an employee at a branch or by phone/with a message through Nordea Customer Service250,00 €
Change to due date or loan servicing account in Nordea Mobile or Netbank (minor change to repayment schedule)
0,00 €
Change to due date or loan servicing account at a branch or by phone/with a message through Nordea Customer Service (minor change to repayment schedule)
50,00 €
Change of borrower or a situation where one of the borrowers assumes liability for the loan alone. **200,00 €
Changing the 12-month Euribor reference rate at the end of the interest rate period and changing the Prime rate in Nordea Mobile and Netbank200,00 €
Change of reference rate at the end of the interest rate period by an employee at a branch or by phone/with a message through Nordea Customer Service300,00 €
Change of reference rate in the middle of the interest rate period by an employee at a branch or by phone/with a message through Nordea Customer Service600,00 €
Change to the margin by an employee at a branch or by phone/with a message through Nordea Customer Service250,00 €
Obtaining a guarantor’s or pledge owner’s consent to change the loan terms and conditions, such as the repayment schedule or reference rate35,00 €
Transfer of a loan to another bank upon the customer’s request. Charged to the receiving bank. **150,00 €
Sending of a loan document and collateral to another bank. Does not apply to loans intermediated from government funds.50,00 €
Certificate requested by the customer stating the amount of debt and paid interest10,00 €
Sending of a share certificate to the customer at the customer’s request after it has been digitised 50,00 €
Transaction closing with no loan taken or at the seller’s bank (incl. VAT  25.5%)300,00 €
Transaction closing in branch with a loan taken (incl. VAT  25.5%)150,00 €
Handling fee for digital closing (incl. VAT  25.5%)70,00 €

Charges related to unsecured home loans drawn down after 1 September 2019

ItemPrice
Payment reminder to the borrower, guarantor or third-party pledger (per reminder)5,00 €
Transfer of a loan to another bank upon the customer’s request. Charged to the receiving bank. **150,00 €
Certificate requested by the customer stating the amount of debt and paid interest10,00 €
*) An arrangement fee is charged in connection with the first drawdown and with a raise or renewal of a loan. 
**) Does not apply to loans intermediated from government funds.

Foreign currency credit

Consumers are not granted loans in any other currency than euro.

A housing loan is considered to be currency credit if the loan is granted in a foreign currency other than that of the EU Members State or the state of belonging to the European Economic Area where the consumer resides. Furthermore, a housing loan is considered to be foreign currency credit if the consumer receives his or her income in another currency of a state of the European Economic Area or in currency of a state of European Economic Area. 

A foreign exchange risk occurs when the borrower's income or assets to be used to repay the credit are not in the same currency as the credit or the credit is not in the currency of borrower's country of residence. A foreign exchange risk refers to the change in price of one currency in relation to another. During the loan period, the value of the credit or the monthly payment may increase in relation to the borrower's income or assets or the currency of the borrower's country of residence. 

If the foreign currency of the borrower's country of residence, income or assets falls by 20 per cent in relation to the euro, the borrower receives a warning that the borrower's loan amount will increase in borrower's national currency.

Apply for a home loan

Make a preliminary calculation and apply

Frequently asked questions about home loans

Home loans for different needs

You can apply for a home loan from us if you’re planning to buy a holiday home or an investment property. You can use the same application regardless of the loan purpose. Explore the options.

ASP loan

Construction loan

Holiday home loan

Buy-to-let home loan

Need help?

Personal customers