mortgage loan

A Holm mortgage loan is a loan with flexible terms secured by real estate. We accept agricultural land, incl. arable land, in addition to residential property. A mortgage loan is suitable for major investments. It is a long-term loan, repayable over a period of up to 30 years. You can apply for the loan on our self-service site. One of our specialists will personally review your application and get in touch with you.
Think carefully about your financing needs, because every loan is a commitment that must be honoured. Make sure the loan will not leave you in a difficult financial position.

If you have any questions, please contact Holm's loan manager by writing to or by calling +372 612 0323.

Intended purpose
for bigger investments
Loan amount
from €7,000 up to €400,000
not required
Length of loan contract
1 to 30 years
Payment schedule
annuity schedule and schedule with equal principal
Annual interest rate
6 months’ EURIBOR* + personal interest rate
Contract fee
1% of loan sum, minimum €150
Suitable collateral
real estate
Requirements for borrower
a citizen of the Republic of Estonia or a natural person residing in the Republic of Estonia on the basis of the right of residence and work permit, who is an adult and has the full active capacity and who would like to obtain credit secured by real estate. The person has regular income that the bank considers adequate to service the loan.
* EURIBOR data are based on the EURIBOR rate published by the European Money Markets Institute ( 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.

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.

Frequently asked questions

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Additional information

The financial services provider is Holm Bank AS. Review the terms and conditions of the contract and consult an expert. The annual percentage rate is 9.80% on the following model terms and conditions: the loan amount to be used in full after entry into the contract is €80 000, repayments are made as monthly annuity payments, the contract fee is €800, the contract term is 25 years and the variable interest rate is 6-month EURIBOR + 6% per year (as of 16.03.2023, 6 months’ EURIBOR is 3.131% per annum). As a result, the total amount of payments is €205,000.26 and the amount of repayments €205,800.26. The number of repayments is 300. For collateral, a mortgage is set on a property and we require ensurable property to have a valid insurance agreement in place. The example does not take into account the costs of valuation of the property used as collateral, the notary fees related to the provision of collateral and state fees and the cost of insuring the collateral.

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