What we finance

With our real estate financing, you can choose a fixed interest rate period of 1, 2, 3, 5, 7, or 10 years. The standard loan term is 15 years. 

View our current interest rates

Terms such as real estate financing, buy-to-let mortgage, commercial mortgage, and investment mortgage are often used interchangeably.

Real estate financing

This is a broad term that refers to the financing of real estate, applicable to both private individuals and businesses. It may include:

• Owner-occupied residential properties
• Investment properties (for rental purposes)
• Commercial real estate (offices, retail spaces)
• Project development

Real estate financing may therefore cover buy-to-let, commercial, and investment mortgage types.

Buy-to-Let mortgage

This mortgage is specifically intended for individuals or investors purchasing a property to rent out.

• Not for owner-occupation
• Typically offers financing up to 70–80% of market value
• Rental income is considered in assessing financing options
• Generally higher interest rates compared to residential mortgages

Commercial mortgage

Designed for entrepreneurs seeking to acquire business premises.

• Suitable for offices, retail units, hospitality spaces, warehouses, etc.
• The loan is concluded in the name of a company (BV, VOF, etc.)
• Usually lower loan-to-value ratios (50–80%) and higher interest rates than residential mortgages
• Income and business performance are important in the assessment

Investment mortgage

An investment mortgage is intended for financing real estate as an investment (eg residential units, apartments, or commercial properties).

• Suitable for both private and institutional property investors
• Rental income plays a key role in determining financing capacity
• A personal contribution of 20–40% is often required
• May also apply to higher-risk real estate projects