Home loan

LHV home loan is the most flexible home loan in Estonia, which is suitable for an informed client acquiring a home

  • Premature repayment of the loan is free of charge
  • Initial loan offer within three business days
  • Flexible grace period option
  • New apartment valuation report at an affordable price
Already have a home loan?

If you have already taken a home loan from LHV or another bank, and want to purchase another property with a loan, then apply for an LHV Private Loan.

Income tax return

Did you know that the state will repay you the income tax accounted on the home loan interest upon filing an income tax return?

KredEx surety

We offer home loan with a KredEx surety. You can familiarise with precise target groups and terms on their website.

Calculate the monthly payment


This is an estimate and may differ from the actual terms and conditions offered.

This is an estimate and may differ from the actual terms and conditions offered.

Application process

  • Application
    Fill in a home loan application.

  • Initial loan offer
    You will be notified of your initial loan offer within three business days.

  • Documents
    Send the documents requested in the initial offer to

  • Loan decision and agreement
    The final offer and loan agreement will be emailed to you. Sign the contract digitally and send it back to LHV.

  • Notary
    We will book an appointment at a notary, at a time that suits all the parties, to set the mortgage.

  • Payment
    We will transfer the loan to your account within one working day after visiting the notary.

Terms and conditions and price list

Loan amountFrom 20,000 €, up to 85% of the market value of the collateral.
In the case of the KredEx surety, up to 90% of the market value of the collateral.
The total sum of all loan and leasing payments may be up to 50% of the net income. The actual maximum share of loan payments depends on the income and number of members in the family.
Loan periodUp to 30 years
InterestFrom 2.3% + Euribor
Amendment of the agreementAmendment of the agreement: 100 €
Termination of agreementFree of charge
Agreement fee0.5–0.9% of the loan amount (minimum 300 €)
In the case of the KredEx surety, you need to pay an additional suretyship fee of 3% of the surety amount upon conclusion of the agreement.
Grace periodUp to 12 months.
Self-financingAt least 15% or with an additional collateral.
 In the case of the KredEx surety, at least 10%.
CollateralReal estate that is in good condition and liquid. In general, we accept assets belonging to the loan recipient or their loved ones as security. We finance up to 85% of the market value of collateral. The precise acceptance rate of collateral depends on the location and condition of the collateral. Notarial transactions can be performed in Tallinn, Tartu, Pärnu, Rakvere, Narva, Viljandi, Paide and Kuressaare.
Requirements for an applicant
  • An adult who is an Estonian citizen or holder of a long-term residence permit
  • There have been no payment defaults in the past three years
Required documentsSend to the address
  • collateral insurance contract
  • valuation report or link to the sales ad for the purchased property
  • digitally signed bank statement for the past 6 months (if you are not a LHV client)
In the case of the KredEx surety, you need to submit additional documents that verify you belong to the target group.

If you belong to the family target group:
  • In the State Portal, please send the notice with your children’s data direct to the e-mail address via the portal.
If you belong to the specialist target group:
  • In the State Portal, please send the notice with your education data direct to the e-mail address via the portal.
If you belong to the target group consisting of Defence Forces or Defence League veterans:
  • Please submit a notice that verifies your veteran status. Veteran status can be verified by a notice issued by the Personnel Support Services Centre of the Support Command of the Estonian Defence Forces.

For further information, see the KredEx website.
Apartment valuationWe offer valuation for new apartments at an affordable price – 75 €
Real estate appraisers1Partner Kinnisvara OÜ, Arco Vara, Colliers International Advisors, Domus Kinnisvara, Kaanon Kinnisvara, Eri Kinnisvara, LVM Kinnisvara, Newsec Valuation EE OÜ, Ober Haus, Pindi Kinnisvara, Tõnisson Kinnisvara, UusMaa Kinnisvarabüroo, RE Kinnisvara, Seven Kinnisvarakonsultandid, Lahe Kinnisvara
Self-financing and interestThe required minimum self-financing is 30% of the construction cost (this can be substituted for with an additional security). In the case of purchasing the land, the minimum required self-financing is 50%. Construction supervision must be employed during construction. Until the submission of the authorisation for use, the loan interest shall be 1% higher.
Required documents
  • Building design documentation
  • Construction calculation and timetable
  • Building permit
  • Information on the builder
  • Valuation report for the house being built, including current market value and future market value

AS LHV Pank does not provide counselling service in the sense of Section 7 of the Creditors and Credit Intermediaries Act in the provision of loans. The loan applicant makes the decision to take out a loan.

The home loan is offered by AS LHV Pank. Always think through your loan decision carefully. Review the terms and conditions at and ask for advice from our specialist. The annual percentage rate of charge for a home loan is 2.503% on the following sample conditions: loan amount of 70,000 €; self-financing of 20%; interest rate of 2.4% per year (floating, based on 6 months’ Euribor); agreement fee of 700 €; period of 360 months; with 98,224 € as the sum and 360 as the number of repayments; and the total amount paid back being 98,924 €, with payment in the form of monthly annuity payments. An insurance contract needs to be concluded and a mortgage set for the collateral in order to receive the loan. The rate does not include the expenses related to establishing and insuring the collateral.

Home Insurance

Home insurance provides peace of mind and a feeling of security. In the case of accidents, our 24 hour a day free home assistance service is available to help. You can count on quick assistance if a door lock is not working or a water accident has occurred.

All riskmandatory
Firecheck icon
Storm damagecheck icon
Leak from the pipingcheck icon
Theft, vandalismcheck icon
Floodingcheck icon
Home assistancecheck icon
Real estate liability insuranceup to € 10,000
Loss of rent/costs of rentalup to € 4000
Damage resulting from construction faultscheck icon
Civil engineering workscheck icon
Small buildings up to 20m²up to € 10,000
Home contents carried along in Estoniaup to € 2000
Property stored in an apartment’s storeroom, in the yard of a private residencecheck icon
Damage caused by ice and snow falling from the roofcheck icon
Built-in furniturecheck icon
Interior finishing of the storeroom belonging to the apartmentcheck icon
Theft of cash kept at homeup to € 300
Cost of unauthorised use in the case of the theft of a bank cardup to € 300
Costs of veterinary assistance for a pet following an insured eventup to € 300
Costs of applying for a passport, ID-card, driver’s license in the event of theftcheck icon
Home contents ‘Old for New’, including telephones, tablets and laptop computers that are up to one year oldcheck icon

Liability for home insurance is € 200
Loss events, in which case there is no liability:

  • home assistance service
  • if more than 50% of the building has been destroyed
  • rent (for example, cost of replacement housing) or lost rental income
  • replacement of door lock in the event of damage to the door lock or the loss of keys
  • shattering of the exterior glass surfaces of the building / apartment, for example, balcony glass

LHV, in cooperation with Compensa*, is offering home insurance with extensive all risk exposure coverage. In addition to the most common types of insurance cover, you can also choose cover for an insured event arising from construction or repair works. Compensa will also compensate household property under the principle of ‘New for Old’. Compensa is the only one in Estonia to cover loan payments for a period of three months, in the event that the insured home has become uninhabitable.
For more information, visit Compensa's website.

We offer home insurance to a client that has concluded an LHV Home Loan or Private Loan agreement.

If you would like to receive a home insurance offer, please contact your loan administrator or write to

In the case of a loss event, please contact Compensa’s customer service:

*LHV home insurance is offered by the Estonian branch of Compensa Vienna Insurance Group ADB. The policyholder is LHV Pank AS. Read the terms and conditions, including limitations and exclusions and ask our experts for advice.

Download LHV mobile app to

apply for a home loan

view your loan balance and next payments information

view your payment schedule

Customer support

Call 699 9111 Mon-Fri 9-17 or write to

Client managers

Kati Peramets

Senior Home Loan Manager

Erik Aunapuu

Home Loan Manager/Team Lead

Inge Maiman

Home Loan Manager

LHV home furnishing loan