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Fixed interest rate period

Fixed servicing costs for your loan

Fixed interest rate as part of the loan term

You can choose a fixed rate interest rate period of up to 10 years for your home loan.


Fixed interest charges

You know in advance your interest charges for a longer period.


Owner-customer benefits

As an owner-customer, you will receive a discount on banking services and OP bonuses.

Ensure your home loan servicing costs for a fixed rate period

Interest rates have remained historic lows for several years now but it is hard to predict how they will develop in the years to come. Protect against higher interest rates for many years by choosing a fixed rate period for your home loan. You can choose a fixed interest rate period of less than 10 years for not only your new home loan but also your existing one.

If you wish, you can divide your loan into two parts – the fixed rate applies to the first part and the variable rate to the second part. This is how you can make use of the protection provided by the fixed interest rate period while freely amortising or paying off your variable-rate loan.

You will not incur any extra costs of the fixed interest rate period, if no changes are made to the loan. If, however, you want to repay early your fixed rate loan, for example, please contact your bank. Early repayment may involve costs if interest rates have fallen.

Now that interest rates are low, it is good time to protect your home loan against a rise in interest rates for a longer period!
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Whom does the Fixed Rate Period suit?

The fixed interest rate period suits you if you want to ensure that the servicing costs of your loan remain the same for a period suitable to you. The fixed rate period is available for both new and existing home loans.

If you want to choose the fixed interest rate period for your existing home loan, please contact your OP cooperative bank at or call OP telephone service at 010 253 1333 (local charge/mobile charge) and book an appointment for an online meeting or at a bank branch.

In case you become unemployed, incapable of work or are on sick leave for a longer time, you should also protect your home loan in connection with protection against higher interest rates. Adjust your monthly loan repayment so that you can also save some money alongside repayments.
Take out home insurance for your new home at the same time – conveniently under the same roof!

Owner-customer benefits

  • As an owner-customer, you get 45% off on a current account, OP eServices and OP-Visa card. For owner-customers, the cost is €3.95/month. Normal charge €5.45/month. If you are under 26 years of age, you receive our daily banking services free of charge.
  • As our owner-customer, you can choose a long-term fixed interest rate for your new home loan throughout the loan's term, up to 25 years. This is how you can ensure that your interest charges for your home loan will remain unchanged throughout the loan term.

OP bonuses

As an owner-customer, you will earn OP bonuses for example from:

  • loans
  • savings and investments
  • funds in accounts
  • purchases you have paid for with OP-Visa credit
  • insurance premiums for home, family and motor vehicle policies

OP bonuses are used for the bank’s service charges and insurance premiums.

The interest rate cap is offered by the Group member bank.