Created with Finnish banks, N&B Mortgage offers a financial solution that is safer,  more flexbile and cheaper than a traditional housing company mortgage.

finance

Smaller down payment

N&B Finance benefits

N&B Mortgage benefits

Challenging the traditional housing company mortgage

15% down payment

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%.

With N&B Mortgage you need less initial equity to purchase an apartment

Safer option

Safer than a traditional housing company mortgage

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.

In a N&B home each shareholder is responsible only for their own loan 

Finance Flexibility

Monthly dues and mortgage time negotiable

Flexible terms

Lower margin

Finance - How it works

Shortcut to a new home

It's the biggest investment decision you are likely to make, so you'd better have a smart financing solution.

We challenge the traditional housing company mortgage

Partner banks

Reliable partner banks

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.

Our partners Aktia and Handelsbanken 

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Easy financing process

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Organize your financing in advance

Finance - Apply

Map out your opportunities 

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.

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N&B Mortgage