Hüpoteeklaen
To buy a home

Home loan to buy property

When a bank says no or the terms don't fit, we offer a flexible alternative secured by property — including for the self-employed, pensioners or irregular income.

A home loan is a secured loan for buying property. Unlike banks, we assess every applicant individually and consider atypical income too. The collateral can be the property being bought or other real estate you own.

Why choose this solution

Flexible assessment

We consider self-employed and irregular income.

Fast decision

A preliminary offer within 1 business day.

Large amount

Up to 70% of the collateral value.

Personal advice

We help find terms that genuinely fit you.

Suitable for:
  • Buying an apartment or house
  • Acquiring land or a summer home
  • Covering a bank-loan down payment
  • A property deal with a tight deadline

Payment calculator

Loan calculator

Estimate your monthly payment in seconds

100 000 €
5 000 €500 000 €
120 months
12 months360 months
9%
5%20%
Monthly from
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Total repayment: Total interest:
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This is an indicative calculation. You will receive a personal offer after applying.

FAQ

Often yes. Our criteria are more flexible — we focus on the collateral and real affordability, not only a salary certificate.

Ready to start?

Apply and get a personal offer within 1 business day.