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Long-term fixed interest rate

Protect your loan’s borrowing rate for up to 25 years.

Fixed interest rate throughout the loan term

You know in advance your interest charges throughout the loan term, for up to 25 years.


Available only from us

The long-term fixed interest rate for a home loan is available only to OP’s owner-customers.


Owner-customer benefits

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

Long-term fixed interest rate for up to 25 years – a benefit to owner-customers!

Interest rates have remained historic lows for several years now. It is, however, hard to predict how they will change in the years to come. You can avoid interest rate variations altogether by choosing a long-term fixed interest rate for your loan.

The fixed rate protects your loan against a rise in interest rates. As our owner-customer, you can now choose a long-term fixed interest rate for your home loan throughout the loan's term, for up to 25 years. If you like, you can repay early your long-term fixed rate home loan without any extra costs.

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 Long-term Fixed Rate suit?

The long-term fixed interest rate a good choice if you want to ensure that the interest charges for your home loan will remain unchanged throughout the loan term. If necessary, you can agree with the bank on other changes to be made to your fixed rate home loan, such as a repayment holiday. OP’s owner-customers – the existing and new ones – are entitled to choose the long-term fixed rate for their home loan. Besides, you benefit from OP bonuses.

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!

Benefits for owner-customers on daily finances

As our owner-customer, you use our daily banking services at lower cost and benefit from the following benefits, for example: 

  • You get OP eServices, a current account, and OP-Visa for €3.95 per month. Normal charge €5.45/month.
    Product Protection Insurance is free of charge for owner-customers. It covers your card purchases for six months from the time of purchase throughout the world, also in webshops. 

OP bonuses

OP bonuses are used for the bank’s service charges and insurance premiums. 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.
The interest rate cap is offered by the Group member bank.