Best deal on your home loanGet the best deal on your new or existing home loan easily online!
Thinking about shopping for a new home loan or refinancing your existing one? Request our home loan offer conveniently by filling in a loan application online. For the application, you need some basic details of your financial situation and the home to be financed with the loan. If you are planning to take out a home loan together with another person, please fill in the loan application together and include both loan applicants' details.
Get a preliminary home loan offer easily online
You can request and get a preliminary home loan offer from us conveniently online. As an OP customer, you can get a preliminary offer immediately and sign a loan agreement electronically. Remember that a loan offer doesn’t obligate you to take out the loan.
OP bonuses from your home loan
If you are an OP cooperative bank's owner-customer, loans generate OP bonuses to you. The OP bonus benefit is often sizeable for home loan borrowers – up to hundreds of euros a year. OP bonuses can cover your loan servicing costs, other banking charges and insurance premiums.
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.
How to get the best deal on your home loan
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.
Fill in and submit the loan application online.
You will get a preliminary loan offer from us.
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.
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
The home loan is granted by an OP cooperative bank.
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.