Shortcut to a new home
We challenge the traditional housing company mortgage
It's the biggest investment decision you are likely to make, so you'd better have a smart financing solution.
Monthly dues and mortgage time negotiable
More flexible terms
Lower margin
15% down payment
With N&B Mortgage you need less initial equity to purchase an apartment
At the time of closing the deal, you only need to pay the down payment that you agree with N&B partner bank, starting from 15% of the free-of-debt price. The final down payment amount is decided by the bank based on their consideration. If you are buying your first apartment, it is possible to get a down payment amount as low as 10%.
N&B Mortgage benefits
Challenging the traditional housing company mortgage
N&B Mortgage offers these benefits when compared to a traditional housing company mortgage:
- Lower down payment (starting from 15%)
- Low monthly instalment thanks to a loan period of up to 30 years
- Margin starting at 0.5%
- Construction period without interest and fees
- Possibility of interest cap or repayment-free periods if life situation changes
Safer than a traditional housing company mortgage
In a N&B home each shareholder is responsible only for their own loan
A housing company mortgage is a traditional method that has been used to make buying a new home more accessible. However, there are downsides to it. Margins for such loans are typically more expensive than personal loans. This can be seen in more expensive housing company fees. In addition, the buyer of the home, as a shareholder, is also responsible for the loans of other partners if things get tough. With the rise in interest rates, these risks are back on the table. There is no housing company loan in new N&B properties, so each shareholder is only responsible for their own loan.
Reliable partner banks
Our partners Aktia and Handelsbanken
We are partnering with Aktia and Handelsbanken for N&B Finance. Aktia works as a partner in Lehtisaari Terassi and Meander. Handelsbanken is 76&Piha's financing partner.
Map out your opportunities
Get a preliminary quote
Have you set your sight on a certain N&B home? Do you want to find out what kind of loan you would be eligible for? Request a preliminary quote from the bank using the form below.
Easy, effortless process
Non-binding application
Secure your financing early on
