Mortgage loans secured by real estate
We finance your plans quickly and expertly — loans secured by real estate for private and business clients across Estonia. A fast, reliable solution when a bank isn't the right fit.
Loan calculator
Estimate your monthly payment in seconds
This is an indicative calculation. You will receive a personal offer after applying.
Flexible loans secured by property for private and business clients.
Flexible loans tailored to your needs.
Flexible financing solutions for your business.
Why Hüpoteeklaen?
Decision in 1 day
A fast, clear process — no months of waiting.
Personal service
One contact person who understands your situation and has your back.
Flexible terms
Schedules, holidays and solutions that account for real life.
Transparent contracts
Interest, fees and the schedule are clearly stated — no hidden surprises.
Up to 70% of collateral value
The loan amount depends on the collateral value and your ability to pay.
Appraisal arranged
An existing appraisal works; if needed, our specialists prepare one.
How to get a loan
5 simple steps from application to funds
Submit an application
Choose your terms and fill a short online application — in a couple of minutes.
Get an offer
We give a preliminary decision and a personal offer within 1 business day.
We appraise the collateral
We review the collateral — an existing appraisal works, or we arrange one if needed — and confirm the terms.
Notarial transaction
We sign the contract at a notary — including remotely, wherever you are.
Money to your account
After the transaction the funds usually reach your account within a few days.
Frequently asked questions
A mortgage loan is a loan secured by real estate — an apartment, house, commercial space or land. The collateral allows a larger sum, a longer term and a better rate than an unsecured loan.
We usually provide a preliminary decision and a personal offer within 1 business day of your application.
It helps to have an appraisal report when you apply. If you don't, our specialists can prepare one if needed.
Often yes. Our criteria are more flexible — we focus on collateral and real affordability, and we consider self-employed and irregular income too.
We review each case individually. Irregular or seasonal income is fine if affordability is there and the collateral covers the loan.
Not necessarily. The notarial transaction can be done via remote authentication, so the contract can be signed conveniently from a distance.
Our offices
Visit us or book a time in a city near you
Tallinn
Torupilli ots 2 (Tartu mnt 38), 10113
Mon–Fri 9:00–17:00