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Shopping for a home loan

Get a better deal on your new or existing home loan conveniently online


  • Shopping around for a home loan is worth it

    You can find out whether you can get a loan better suiting your needs at a lower cost than your existing loans.

  • Request our home loan offer easily online

    You can request and get a preliminary home loan offer from us conveniently online. A loan offer doesn’t obligate you to take out the loan.

  • OP bonuses from your home loan

    As an OP cooperative bank's owner-customer, you will earn OP bonuses on your secured loans. The OP bonus benefit is often sizable for home loan borrowers – earned bonuses can be worth up to hundreds of euros a year. OP bonuses can be used to pay charges and fees that would otherwise be charged from your account.

  • You can leave the practicalities of changing bank to us

    Using OP as your main bank and insurer eases your daily life and maximises your benefits from OP bonuses.

Request a home loan offer
from us.

Get home loan offer

Calculate how much your loan would cost per month.

Go to loan calculator

How to get the best deal on your home loan

  1. Collect all information needed for a home loan application: the loan applicant(s)' income and monthly expenses, any existing loans, other assets, collateral and the home's details.

  2. Fill in and submit the loan application online.

  3. You will get a preliminary loan offer from us.

  4. We will contact you as soon as possible to discuss the loan and switching your banking to us – on the phone, online or at a branch.

  5. You can sign the agreements electronically.


Tips for comparing home loans

Finding the best deal for your new or existing home loan requires careful comparison. Our tips:

  • In each loan offer, look for the effective interest rate. It includes the full costs of the loan converted to the annual interest rate. With the effective interest rate, you can compare the costs of loans offered by various banks.
  • Note that OP bonuses, earned by owner-customers of an OP cooperative bank, are not included in calculating the effective interest rate. However, OP bonuses could significantly lower your home loan costs because they can offset some or all your loan servicing costs. OP bonuses can also cover, for example, your household's insurance premiums and therefore help in meeting regular expenses. Read about OP bonuses
  • Think whether you have prepared against borrower's risks during the long loan term. You can safeguard your ability to repay your loan in various ways, for example with interest rate protection products or insurance. Read more about securing your finances
  • Find out how you can apply for changes in your loan's repayment plan or a repayment holiday during the loan term. At OP, you can do it yourself online. The changes made will be subject to a service charge specified in the list of service charges and fees. See an OP cooperative bank’s list of service charges and fees

Read more about being an owner-customer

The home loan is granted by an OP cooperative bank.

Home loan for the home of your dreams
You may suddenly come across the home of your dreams. That’s why you should request a loan offer in good time.

Collateral is needed for a loan that secures repayment to the bank. The home you buy covers the majority (usually 70%) of your loan. Side collateral may be needed for the residual amount.

You can apply for a government guarantee for your home loan. You can also contact your local OP cooperative bank for a loan guarantee or ask another person to guarantee your loan.

Take a look at the terms and conditions governing loans, pledges and guarantees, and forms. You will accept the terms and conditions of the loan and collateral agreement at the time of signature.

Loan terms and conditions