Green mortgage
A mortgage for private owners or buyers of homes with energy rating A or B, with green pricing for borrowing within 75% of the home’s value.
Cette fiche est actuellement disponible en anglais.
Sparebanken Narvik lends to people who own or are buying an energy-efficient home. The bank pays the loan as mortgage financing, and you repay the borrowed money with interest. The part of each payment called principal repayment reduces your loan balance.
The green tariff applies to borrowing within 75% of the home’s value. For new loans from 1 October 2026, the listed nominal annual interest rate is 5.29%. The bank’s example for NOK 2 million over 25 years gives an effective rate of 5.49%, loan costs of NOK 1,613,447 and total repayment of NOK 3,613,447. The example includes costs beyond nominal interest.
The tariff lists a NOK 65 payment fee, establishment costs from NOK 2,000 and changes to an existing loan from NOK 1,000. Registration and mortgage-recording charges are additional.
Eligibility
- You must own or be buying a home with energy rating A or B. Check the rating in the property sales prospectus or through the energy-rating service described by the bank.
- Green pricing is for borrowing within 75% of the home’s value.
- The bank assesses whether you can repay the loan, considering your income, other debt and household circumstances.
How to apply
- Statut
- Candidatures au fil de l’eau
- Conditions de cette période de candidature
- Contact the named mortgage adviser on the current product page to discuss an application.
Contact Sparebanken Narvik’s mortgage adviser Merete Aspenes Bjarnesen at mab@sn.no or +47 975 82 304 to discuss your green mortgage application. The product page lists this adviser for mortgage enquiries.