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Home loan

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

  • Initial loan offer within 24 hours
  • Premature repayment of the loan is free of charge
  • New apartment valuation report at an affordable price
  • Interest on energy class A homes and apartments: 1.95% + 6 month euribor
  • Interest from 4,1% + euribor for summer house purchase

Calculate the monthly payment

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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.

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.

Grace period for home or private loan

If you need grace leave, please submit an application. It is important that the application for the grace period reaches us before any arrears occur.

KredEx surety

Are you a specialist in your field, up to 35 years old, a parent of at least one child or looking to buy an energy-efficient home? We can offer you a home loan with lower self-financing (min. 10%) with a KredEx surety. Read more about the exact terms and conditions on their website.

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?

Green home loan

Our homes significantly contribute to our ecological footprint. The heating and power consumed at home greatly affect our greenhouse gas emissions. For that reason, we wish to promote the building and buying of the most energy efficient homes.

  • Estonia’s first green home loan
  • Interest on energy class A homes and apartments: 1.95% + 6 month euribor
Apply for a home loanRead more

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 kodulaen@lhv.ee.

  • 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 1.95% + euribor
Amendment of the agreementstarting from 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 kodulaen@lhv.ee:
  • 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 an 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 eesti.ee State Portal, please send the notice with your children’s data direct to the kodulaen@lhv.ee e-mail address via the eesti.ee portal.
If you belong to the specialist target group:
  • In the eesti.ee State Portal, please send the notice with your education data direct to the kodulaen@lhv.ee e-mail address via the eesti.ee 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, Kinnisvaraekspert
Financing construction of the house
  • Self-financing requirement is at least 30% of the project cost (land + construction)
  • Self-financing must be paid first
  • We are prepared to finance 50% of the value with the land as collateral, and up to 75% if secured by the market value of the finished house
  • The easiest way to finance home construction is with additional collateral
  • Until the submission of the authorisation for use, the loan interest shall be 1% higher
Required documents
  • Construction budget (compiled by stages of construction, activities to be funded with the loan capital and self-financing listed separately)
  • Valuation report for the registered immovable along with the current and future market value of the registered immovable (provided that the home to be built is finished)
  • Building permit if one exists. The planned date for receiving authorisation for use for the home and planned completion date
  • Name of the builder and licensed owner’s supervision service provider

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 lhv.ee/kodulaen 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

Insurance with the widest protection gives you peace of mind and a sense of security in your new home.

LHV home insurance protects your home and items that are in your home or with you anywhere in the world on a total risk basis.

Packages

Super Home

Mega Home

Green Home

All-risks
Quality items damaged due to a construction error
Home assistance for emergencies
Rain and snow water
Damage caused by snow or ice on the roof
Faults of home appliances and equipment servicing the building
Green insurance
Liability insurance

Choose an addition

Liability insurance in Estonia
Liability insurance abroad
Pet owner’s liability insurance
Lessee’s liability insurance
In the event of a loss event

LHV Pank acts as the insurance agent of AS LHV Kindlustus and is entered in the list of insurance intermediaries published on the website of the Financial Supervision Authority.

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 kodulaen@lhv.ee

Client managers

Kati Peramets

Home Loan Manager/Team Lead

kati.peramets@lhv.ee

Inge Maiman

Home Loan Manager

inge.maiman@lhv.ee

Robert Martin

Home Loan Manager

robert.martin@lhv.ee

Ksenia Korotkova

Home Loan Manager

684 6135

684 6135

ksenia.korotkova@lhv.ee

Maria Mutra

Home Loan Manager

maria.mutra@lhv.ee

Natalja Shvets

Home Loan Manager

natalja.shvets@lhv.ee

Siiri Raav

Home Loan Manager

siiri.raav@lhv.ee

Karit Laukus

Home Loan Manager

karit.laukus@lhv.ee

LHV home furnishing loan

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