Buy-to-let home loan
Make your money grow through buy-to-let investment – apply for a loan for a buy-to-let homeApply for a buy-to-let home loan instantly online
Popular buy-to-let homes on the market go quickly. That’s why you should apply for a loan in good time, even if you don’t know yet which property you’re going for. You can apply for a loan easily online.
Apply easily with another bank’s user ID
Applying for a buy-to-let home loan is easy even if you were another bank’s customer. The loan offer does not oblige you to take out a loan from us. It’s only a request for proposal.
All buy-to-let investor services at your fingertips
With OP, you will have access to your OP cooperative bank's banking services, Pohjola Insurance services and OP Koti real estate agency services. As an OP cooperative bank owner-customer, you earn OP bonuses that can cover banking service charges and insurance premiums, and more.
Buy your buy-to-let home completely digitally
If you wish, you can complete the purchase of your buy-to-let home completely digitally. Everything can be done online, including loan negotiation, remote house viewings and signing the deed of sale.
Apply for loan for a buy-to-let home
Start applying for a buy-to-let home, continue with the application you started or add the required attachments.
Confirm a joint buy-to-let home loan application initiated by another applicant
Start applying for a buy-to-let home, continue with the application you started or add the required attachments.
Confirm a joint buy-to-let home loan application initiated by another applicant
Whether you are looking for your first buy-to-let home or are an experienced buy-to-let investor, submitting your loan application online is easy. You apply for a buy-to-let home loan in the same was as for an ordinary home loan. What to do:
- Log in at op.fi using your online service user identifiers. Fill in and send your home loan application.
- We will get in touch with you and have the loan negotiation by phone, online or at a branch.
- You will receive a loan offer which you can then use to bid for a home.
Find the right amount of buy-to-let home loan – Use our loan calculator
A loan calculator will help you check how the loan amount, loan term and interest rate will affect the monthly repayment of your buy-to-let home loan.
Financing a buy-to-let home through a loan
As popularity of rental accommodation increases, buy-to-lets are becoming an attractive investment option. Just as with an ordinary home loan, you will need collateral and equity for a buy-to-let home loan. The buy-to-let home or your own home will often serve as collateral. We will check your collateral during the loan negotiation. The first step in financing your buy-to-let home is to send in your loan application and then discuss your plans with us during the loan negotiation.
You should plan your buy-to-let investment carefully
Planning is important in buy-to-let investing. First think what kind of return on your investment you would like. Calculate the expected returns and expenses with care. It’s also worth considering how your own finances will withstand the risks associated with buy-to-let investing if not all go as planned. Watch these expert tips on how to start your buy-to-let investing (in Finnish).
If you want to become a buy-to-let investor, it is vital that you get in touch with your bank, apply for a loan and then explore your opportunities for buy-to-let investing.
