Refinancing mortgages


Re­fin­an­cing made more con­veni­ent

You can now re­fin­ance your mort­gage from the com­fort of your own couch through our app or web­site.

Easier than ever

We suggest up to three loan types based on your payment capacity. When you’ve selected and fine-tuned your loan, you submit an application that can be signed in any of our branches.

You can refinance housing mortgages from all credit institutions.
Complete a credit assessment in a matter of minutes.
We suggest loan products that suit you and your payment capacity.
You submit a loan application and sign it at any of our branches.

Calculate your choices

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Mortgaging 70%


How does your current mortgage compare? We offer refinancing of up to 70% of the real estate value.

Inflation-indexed housing mortgage


Non-indexed housing mortgage


Indexed or non-indexed?

Inflation-indexed loans are linked to inflation, meaning that the principal of the loan can increase, especially early during the loan term. This leads to slower asset formation.

While the principal may increase due to inflation, this does not necessarily mean that your financial position is worse, because real estate prices tend to follow inflation in the long term. Interest rates on indexed loans are generally low and debt service lower.

Non-indexed loans are not linked to inflation, meaning that the loan never increases, merely decreasing steadily over the loan term. This results in quicker asset formation and lower instalments as the loan term progresses. Interest rates on non-indexed loans are generally higher than on indexed loans and, as a result, debt service can be considerably higher in the beginning.

Want a mixed loan, both non-indexed and indexed?

By selecting a mixed housing mortgage, you combine the qualities of both inflation-indexed and non-indexed loan forms. You can have part of your housing mortgage inflation-indexed and part non-indexed, selecting the proportions that best suit your needs. Use the calculator to compare inflation-indexed, non-indexed and mixed housing mortgage.

What is the difference between fixed and variable interest rates?

Variable rates can increase and decrease in line with market fluctuations and the economic environment, based on the current interest rate tariff at each time. This may be favourable or not, depending on how the rates fluctuate.

With fixed rates, you tie your rates for a specified period and hedge against interest rate fluctuations. Rates can be fixed for a period of 36 or 60 months. Fixed-rate loans carry a pre-payment charge.


Join our group of satisfied customers

Applying for access to online banking and the app, creating an account and getting a debit card is a matter of minutes.


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