Home loan

Loan for a home, holiday home or buy-to-let home

Apply for a home loan conveniently online

You can apply for a home loan to buy a home, pay off your share of the housing company loan, transfer your existing home loan or shop for a home loan. If you're not yet an OP cooperative bank customer, you can use another bank's user ID to apply for a home loan.

We advise you to apply for a home loan well in advance: request a loan offer already when you're just planning a new home. Applying for a loan does not obligate you to take out the loan.

Owner-customers get OP bonuses on home loans

If you're an OP cooperative bank's owner-customer, you can earn OP bonuses worth hundreds of euros on your home loan. Earned OP bonuses are used to cover charges and fees related to personal banking and insurance services. Owner-customers also get other benefits on banking and insurance services.

Protect your finances against surprises

Life and the world around you may change suddenly, but you can prepare for surprises by protecting your loan. Different kinds of cover and interest rate protections protect your personal finances.

Apply for home loan or consent to joint application

Start applying for a home loan, continue with the application you started or add the required attachments.

Apply for a home loan

Approve a joint home loan application started by the other applicant.

Go to consent

 

Start applying for a home loan, continue with the application you started or add the required attachments.

Apply for a home loan

Approve a joint home loan application started by the other applicant.

Go to consent

To apply for a home loan, you need an online bank user ID. If you don’t have a user ID with any bank, our Customer Service will help you. Contact our Customer Service

Steps in getting a home loan

1. Fill in a home loan application online

If you’re applying for a loan together with another person, state it in your application. After you have sent the application, the other applicant needs to give their consent to it using the link above on this page."

2. We will contact you

Our specialist will discuss the loan with you, including collateral required for the loan. If everything is fine, we will issue a preliminary loan offer to you – in some cases already before our call. The offer shows the loan amount you could get if you have collateral accepted by the bank.

3. Tell us when you find the home you want to buy

We'll check the particular home's details and make sure it can be used as collateral for your loan.

4. You will get a loan offer that is binding on the bank.

You can then make your purchase offer on this home. A loan offer is sometimes also called a loan promise.

Transfer your loans to OP

When did you last make a home loan comparison? Compare your current loan with OP's loan offer. Requesting our offer is free and will not obligate you in any way. Just fill in a loan application and we will contact you soon. To request our offer online, you can also use another bank's user ID.

Apply for a home loan

Apply for a home loan

Home loan is a one-off loan. Let's look at a home loan where the loan amount is 170,000 euros. The loan term is 20 years. The loan margin is 0.7%. Calculating with the 12-month Euribor of 2.448% (valid on 3 January 2025), the annual percentage rate of charge of this home loan will be 3.3%. In addition, a loan servicing fee of 2.50 euros will be charged each month. When the loan is drawn down, a one-off origination fee of 680 euros will be charged. The estimated total cost of the loan is 231,151.05 euros.

In this calculation, we assumed that the entire loan was drawn down at once, that the loan interest rate, fees and charges stay the same throughout the loan term and that the loan is repaid in equal payments of 959.31 euros every month. The home loan is granted by an OP cooperative bank.

The estimate calculation is indicative only. The loan term, loan amount and interest rate used in the calculation represent a typical loan issued by an OP cooperative bank.

 

The home loan is granted by an OP cooperative bank.

The insurance is issued by Pohjola Insurance Ltd.