As of 1 January 2026, we will increase OP bonus earnings, the number of products that earn you bonuses will increase, and you can choose how you use your bonuses. The default option is to use them as before – for banking service charges and insurance premiums. You can also invest your bonuses in funds via OP-mobile or take out your bonuses in cash. You will also get the renewed owner-customer benefits.
Read more about the changeYou 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.
If you're an OP cooperative bank's owner-customer, you can earn OP bonuses worth hundreds of euros on your home loan. Earned OP bonuses are used to cover charges and fees related to personal banking and insurance services. Owner-customers also get other benefits on banking and insurance services.
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.
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.
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.
These are the steps for applying for a home loan:
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."
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.
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.
You can then make your purchase offer on this home. A loan offer is sometimes also called a loan promise.
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.
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.
