Energy renovation top-up loan
A mortgage top-up with an interest-rate discount for homeowners improving the energy efficiency of a house or holiday house.
Diese Finanzierungsmöglichkeit ist derzeit auf Englisch beschrieben.
You can increase your Hypoteket mortgage to finance energy improvements such as insulation, new windows, a heat pump or solar panels. The loan is secured against your home and you repay the borrowing with interest.
The top-up receives a 0.10 percentage-point interest-rate discount. You keep that discount for as long as your mortgage remains with Hypoteket, and it is applied automatically when the interest rate resets.
Eligibility
- The renovation must improve energy efficiency in a house or holiday house. This offer is limited to those property types.
- You need to hold the underlying mortgage on the property with Hypoteket. If the property has no mortgage, call Hypoteket for help.
- Total mortgage borrowing, including the top-up, can be no more than 65% of the home’s value. Hypoteket assesses the available borrowing space and your ability to repay; the credit assessment may reduce how much you can borrow.
- Show what the loan will fund. Hypoteket accepts examples such as an installer’s quote, a materials order confirmation or a renovation budget.
- If you transfer an existing mortgage, the whole mortgage must move to Hypoteket. Repaying fixed-rate parts early may incur compensation payable to your current lender.
How to apply
- Status
- Laufende Antragstellung
If you already have a Hypoteket mortgage, submit a top-up application through Mina Sidor and provide documentation showing the renovation’s purpose.
If your mortgage is elsewhere, first apply to transfer it to Hypoteket. When Hypoteket calls about your application, explain that you also want the energy renovation top-up. If your property is mortgage-free, call Hypoteket on 010-150 70 00.