Home loan

Holm’s home loan is a flexible solution for purchasing a home or financing major construction work.

Interest rate

personal interest rate + Euribor

Contractual fee

1% of loan amount, minimum of €1500 €

Management fee

0 €

Contract length

up to 30 years

You can also apply

with KredEx guarantee

We offer each client

a personalised approach
Home loan

The campaign is valid until 30.04.2024

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.

Frequently asked questions

Holm Bank’s home loan is a targeted loan aimed at private borrowers and secured with collateral. You can choose between payment schedules and a repayment period of up to 30 years. The interest rate on the loan is linked to EURIBOR.
You can apply on Holm’s self-service site, where in addition to asking you how much you want to borrow, we will also request data to help us fulfil the bank’s due diligence obligations and follow the principles of responsible lending. Once you’ve submitted your application, one of our specialists will take a look at it and get in touch with you. If your application is approved, the specialist will make you an offer. If you accept it, we’ll then prepare the loan contract and other documents.
The notarial transaction required for a mortgage to be set will be arranged by the bank. The loan amount is usually paid out within three banking days of all the related contracts being entered into.
The amount of the loan depends on your regular income, any other financial obligations you have and the condition and location of the real estate offered as collateral.
As a rule, we can offer loans of up to 85% of the value of the property, or up to 90% if you decide to get a KredEx (now the Estonian Business and Innovation Agency) guarantee – on condition that your repayments on any credit product you currently use and the planned home loan payments combined don’t exceed 50% of your regular monthly income. If you obtain a KredEx guarantee, the amount of self-financing may be as low as 10%, but a fee is charged on the amount being guaranteed. If you have additional collateral to offer, you might not have to provide any self-financing at all. The term of your loan can be up to 30 years.
The bank analyses your creditworthiness, taking into account your income and financial obligations, plus the information provided on the application form and collected by the bank. As a responsible lender, Holm wants to make sure that potential borrowers will be capable of fulfilling the conditions of their loan.
We tend to make our initial offer the next working day, but how quickly we get through the pre-contract negotiations depends on how quickly information moves between us. We’ll do our best to meet your needs and expectations.
We offer either an annuity schedule or a schedule with equal principal payments.
With an annuity schedule, your payments and interest are divided up in equal parts throughout the term of the loan. Your payments may change due to fluctuations in EURIBOR.
In a schedule with equal principal payments, your payments are higher at the start of the loan period and lower towards the end, because the bank calculates interest on the balance of the loan.
You can avoid self-financing by offering additional collateral. We generally only accept first-ranking mortgages as collateral. However, a lower-ranking mortgage may be accepted if all of the higher-ranking mortgages were established for the benefit of Holm Bank or the state.
When you enter into a home loan contract, keep in mind that you’ll need to cover the cost of having the property you’re using as collateral valued and of establishing the mortgage at a notary’s office, and pay the contract fee. On agreement with the bank, the latter two can be financed as part of the loan amount.
You can make use of a KredEx (now the Estonian Business and Innovation Agency) guarantee on the conditions set out here.
If it seems likely that you’ll struggle to make your payments, contact us as soon as possible so that we can come up with a workaround together. We may be able to grant you a grace period or extend the term of your contract. In any case, it is sensible to cooperate with the bank to find the best solution.
Repaying your loan in full ahead of time is free of charge provided you let us know three months in advance. If you can’t or don’t want to wait that long, you’ll need to pay the following three months’ interest in accordance with our price list.

Why choose Holm Bank?

More than 25 years of experience

Extensive experience thanks to 350,000 people who have trusted us

Why choose Holm Bank?

Holm is an Estonian bank

A bank based entirely on Estonian capital

Why choose Holm Bank?

People are helpful and caring

We want to support with expert advice and suitable solutions

Why choose Holm Bank?

We are partner with over 2,000 stores and e-shops

We offer hire purchase in Estonia in both regular and online stores

Why choose Holm Bank?

Online services

The services are accessible online contactlessly, customer support can be contacted via email and telephone

Why choose Holm Bank?

We are constantly expanding our product portfolio

We develop Holm products with people’s needs in mind

Why choose Holm Bank?


We follow the principles of responsible lending

Why choose Holm Bank?

Services for both private clients and companies

We offer both credit products and fixed-term deposits

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 8.68% on the following sample terms and conditions: the loan amount to be used in full after entry into the contract is 100 000 euros; repayments are made as monthly annuity payments; the contract fee is 1 000 euros; the term of the contract is 30 years; and the variable interest rate is 6 months’ EURIBOR + 4% per annum (as of 03.10.2023, 6 months’ EURIBOR is 4.128%). Based on this example, the total amount to be repaid is €270 450.26, the amount of repayments is €269 450.26 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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