Home loan
Loan for a home, holiday home or buy-to-let homeApply for a home loan conveniently online
You can apply for a home loan to make a wide range of housing dreams come true. You can request our loan offer already when you're still in the planning phase. Applying for a loan does not obligate you to take out the loan.
Protect your finances against surprises
Life and the world around you may change suddenly, but you can prepare for surprises by protecting your loan. Different kinds of cover and interest rate protections protect your personal finances.
As an OP cooperative bank owner-customer, your loans will earn you OP bonuses
From 1 January 2026 onwards, you can choose how you use your OP bonuses. You can use OP bonuses to pay banking service charges and insurance premiums, invest in funds through OP-mobile or pay legal service fees, or you can take the bonuses as cash. The default selection is to use OP bonuses for banking service charges and insurance premiums.
Apply for home loan or consent to joint application
Start applying for a home loan, continue with the application you started or add the required attachments.
Approve a joint home loan application started by the other applicant.
Start applying for a home loan, continue with the application you started or add the required attachments.
Approve a joint home loan application started by the other applicant.
If you are not an OP cooperative bank customer yet, you can use another bank's user identifiers to apply for a home loan. If you don’t have user identifiers with any bank, our Customer Service will help you. Contact our Customer Service.
What is a home loan?
A home loan – also called housing loan or mortgage – is a long-term secured loan, usually repaid over 20–25 years. You can apply for a home loan to buy a home, pay off your share of a housing company loan, transfer your existing home loan or compare home loan offers. Other purposes include building a home or buying a holiday home or a buy-to-let home.
How can I apply for a home loan?
These are the steps for applying for a home loan:
1. Fill in a home loan application online
If you’re applying for a loan together with another person, state it in your application. After you have sent the application, the other applicant needs to give their consent to it using the link above on this page."
2. We will contact you
Our specialist will discuss the loan with you, including collateral required for the loan. If everything is fine, we will issue a preliminary loan offer to you – in some cases already before our call. The offer shows the loan amount you could get if you have collateral accepted by the bank.
3. Tell us when you find the home you want to buy
We'll check the particular home's details and make sure it can be used as collateral for your loan. Note that you can apply for a home loan even if you haven’t yet found a suitable home – or even started looking for one.
4. You will get a loan offer that is binding on the bank.
You can then make your purchase offer on this home. A loan offer is sometimes also called a loan promise.
Home loan calculator helps you estimate the costs of a loan
With the home loan calculator, you can easily test how the loan amount, repayment period and the interest rate affect the monthly loan instalment. You can also explore what kind of loan you could repay with the rent from your current home, or how changing homes would affect your housing costs.
When did you last make a home loan comparison?
Request a home loan offer from us. Comparing home loan offers is free and does not obligate you to take out a loan. Start by filling in a loan application and we'll contact you soon. You can also request our offer using another bank's user ID.