home loan


Setting yourself up in your own home is a big step in anyone’s life. Holm’s home loan is a targeted loan aimed at private borrowers and secured with collateral. It’s designed for either buying, building, extending, reconstructing or renovating a home. The loan can cover up to 85% of the value of the property. If you have additional collateral to offer, no self-financing is needed. You can also apply for a loan with a co-applicant. In cooperation with KredEx (which is now known as the Estonian Business and Innovation Agency), we can offer you a loan to buy a home with up to 10% self-financing. For the full terms and conditions, click here.

You can apply for a home loan on Holm’s self-service site. You don’t need a valuation report when applying, but you will need to submit one before signing your contract. Once you’ve submitted your application, one of our specialists will get in touch with you.

In order to comply with the due diligence obligation assigned to us as a bank, we ask you to identify yourself by video in the Veriff OÜ environment before signing the agreement.. In order to identify yourself, you need an internet-connected device with a working camera. Have your identity document at hand and follow the step-by-step instructions on the screen. We’ll send the personal link for verification of your identity to your email address.

targeted loan secured with real estate
Loan amount
starting from €5,000
min. 15% of the cost of the property (10% with KredEx guarantee) or additional collateral
Term of contract
up to 30 years
Payment schedule
annuity schedule or schedule with equal principal payments
Annual interest rate
6 months’ EURIBOR* + personal interest rate
Contract fee
1% of amount (min. €150)
Suitable collateral
real estate, KredEx guarantee
Requirements for borrower
The borrower must be a citizen of the Republic of Estonia or a natural person residing in the Republic of Estonia on the basis of a work and residence permit who is an adult, has full active capacity, would like to obtain credit secured by real estate and is assessed by the bank as having sufficient regular income to service the loan
* EURIBOR data are based on the EURIBOR rate published by the European Money Markets Institute (emmi-benchmarks.eu). A negative EURIBOR is set to zero.
We accept expert evaluations prepared by an appraiser with Level 6 and 7 professional certification. Lahe Real Estate Agency offers a 10% discount on appraisal reports to Holm Bank customers. Learn more about the price list here.

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Additional information

The financial services provider is Holm Bank AS. Before entering into a contract, review the terms and conditions and, if necessary, consult a specialist. The annual percentage rate is 7.58% on the following sample terms and conditions: the loan amount to be used in full after entry into the contract is €100,000.00; repayments are made as monthly annuity payments; the contract fee is €1,000.00; the term of the contract is 30 years; and the variable interest rate is 6 months’ EURIBOR + 4% per annum (as of 16.03.2023, 6 months’ EURIBOR is 3.131% per annum). Based on this example, the total amount to be repaid is €244,502.09, the amount of repayments is €245,502.09 and the number of repayments is 360.  For collateral, a mortgage is set on a property and we require ensurable property to have a valid insurance agreement in place. This example does not take into account the costs of the valuation of the property used as collateral, the notary and state fees related to establishing the collateral or the cost of insuring the collateral.

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