Committed loan offers and mortgage loans

With a committed loan offer you know that you have financing when you are looking to buy a new home.

Mortgage loans and committed loan offers

Start with a committed loan offer   

A committed loan offer is free of charge and you do not commit to anything. If you have a committed loan offer before you start looking you are prepared when you find a house or an apartment you wish to buy. 

Apply for a loan when you already have found a home

If you already have found a house or an apartment you wish to buy, or if you want to take out a mortgage loan on your home, you apply for a loan. You can also move an existing mortgage loan to Handelsbanken. You can borrow up to 85% of your homes market value.

You use the home as a security for your mortgage loan.

How to apply

If you are a customer you can apply in the Handelsbanken app, you find the application by clicking More and then Loans. If you are not a customer yet, you can contact your local branch office to apply.

About committed loan offers 

  • Valid for six months
  • A loan offer is often needed when you are bidding for a home
  • You can borrow up to 85% of the market value
  • Contact us before you sign a contract to buy the home


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Different amortisation requirements apply, depending on the loan-to-value ratio and debt ratio in question. Even if, according to the amortisation requirements, you do not need to amortise, it is a good idea to reduce your loans.

Mortgage protection

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Mortgage protection is made up of two insurance policies that can help you to keep up with mortgage payments if there are sudden changes to your life situation, such as injury, illness, involuntary unemployment or a death.