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Home equity credit lines

Our most flexible home mortgage. A borrowing limit of up to 60% of the value of the property.

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  • A framework that lets you borrow and pay down when it suits you

  • Use the money the way you want to

  • Interest-only period throughout the duration of the loan

How does a home equity credit line work?

  • You only pay interest on what you have actually used, not the entire borrowing limit
  • If you have an interest-only period, you can set up fixed instalments when it suits you
  • If there are two borrowers, both can access the home equity credit line in their mobile and online bank

For those who buy an energy-efficient home or upgrade their existing homes to energy label A or B, you can apply for a green mortgage.

We always consider every loan application individually. The price you get is based, among other things, on debt-servicing capacity, security and risk.

We always consider every loan application individually. The price you get is based, among other things, on debt-servicing capacity, security and risk.

Price example Green home equity credit line

Nominal interest rate from 4.34%, operating interest rate from 4.50%. Annuity loans NOK 2,000,000 / 25 years. A final amount of NOK 11,000 per month. Cost NOK 1,303,190, total NOK 3,303,190. Requires a collateral in a home

Do you have a home mortgage at a different bank?

We give your home mortgage an offer to move.

  • Transfer your home mortgage

Borrow more against your home

If the value of your home has increased, you can refinance your home mortgage and borrow more.

What is a home equity credit line?

A home equity credit line is a more flexible home mortgage that allows you to borrow up to 60% of the value of the home. The sum is your borrowing limit and can be used as you want. A home equity credit line gives you great freedom and you can make withdrawals free of charge in the online or mobile banking app. Therefore, a home equity credit line is also called a flexi-loan or equity release.

See what the home mortgage will cost you

Test different loan amounts and see the monthly cost.