Mortgage loan

Holm’s mortgage loan is a loan with flexible terms and conditions secured by real estate and suitable for larger investments.

Loan amount

€7,000 – €400,000

Interest rate

personal interest rate + Euribor

Contractual fee

1% of loan amount, minimum of €150€0

You can choose between

annuity schedule or schedule with equal principal repayments

Management fee

0 €

Contract length

1-30 years
Mortgage loan

The campaign is valid until 31.05.2024

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.

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.

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.

Loan collateral insurance

The property used as the loan collateral must be insured. In partnership with If Kindlustus we offer home insurance that can cover both your property and its contents. Find out more and compare insurance packages.

Loan collateral insurance

Frequently asked questions

Holm mortgage loan is a loan for larger investments secured with a mortgage. Holm Bank also offers secured loans to businesses.
You can submit an initial mortgage application via Holm self-service, after which the loan manager will contact you and, if the criteria are suitable, send you an offer. After you’ve accepted the offer, the bank will prepare the loan agreement and the related documents. The bank will prepare the notarial transaction required for the mortgage, which will be carried out by way of remote certification. The loan amount is usually paid out within three banking days after the conclusion of all the related contracts. If you have any questions, you can contact a Holm loan administrator by sending an email to or calling us on +372 612 0323.
The loan amount depends on the applicant’s regular income, existing obligations, the collateral offered for the loan, its location and condition.
The amount of interest is based on a credit analysis, where the bank takes into account the applicant’s income, liabilities, information provided in the application and collected by the bank. Holm is a responsible lender who takes all the aforementioned circumstances into account when submitting its offer.
Mortgage loans can be repaid on a scheduled basis, either as an annuity or in equal loan principal instalments. In the case of an annuity schedule, the schedule calculator spreads the loan payments with interest over the agreement period so that the total monthly payment is the same amount each month. In a schedule with equal principal payments, the loan payment is higher at the beginning of the loan period and lower towards the end, because the bank calculates interest on the balance of the loan principal, which decreases faster in a schedule with equal principal payments. The loan interest is tied to the Euribor* and it may change when the Euribor* becomes positive. By comparing an annuity schedule and a schedule with equal principal under the same conditions, the annuity schedule will result in higher total interest payments over the entire term of the loan agreement.
You will have to take into account the cost of valuing the collateral, the agreement fee for the loan, the state fee, the cost of setting up the mortgage with a notary, the insurance premiums. The agreement fee is deducted from the loan amount when it is paid out.
If you transferred a larger amount, some of the payment will be regarded as prepayment for the next month if the mortgage loan is your only loan agreement in Holm Bank. If you have more than one loan agreement in Holm, please consider the repayment terms of all agreements.
Yes, the mortgage loan agreement can be terminated early, and the loan can be repaid before the due date. According to the price list, the interest of the loan agreement for the subsequent three months must be paid. Contact us in good time if the bank needs to be present at the notary transaction to release the mortgage.
Contact the bank immediately if you run into payment difficulties. Do it as soon as you see a debt starting to build up. Then the bank can help you to find the best possible solution to the situation.
As a rule, we accept real estate located in Estonia as collateral. The appraisal report of the market value of the real estate to be pledged as collateral must be certified by an appraiser who has been granted professional standard level 6 or 7 by the Estonian Association of Appraisers.

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 10.91% 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 03.10.2023, 6 months’ EURIBOR is 4.128%). As a result, the total amount of payments is €222 629.70 and the amount of repayments €221 829.70. 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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