Green mortgage for A/B-rated homes
Borrow for an energy-efficient home with energy rating A or B, with an ordinary green mortgage tariff for loans within 75% of the home’s value.
Beskrivningen av den här finansieringen finns för närvarande på engelska.
Tolga-Os Sparebank lends you money for a home with energy rating A or B. These ratings identify more energy-efficient homes; you can find the energy label in the prospectus or advertisement from when you bought the home.
The published tariff for new ordinary green mortgages within 75% of the home’s value starts at 5.60% nominal annual interest. The bank’s example is NOK 2,500,000 repaid over 25 years, with 5.80% effective interest and a total repayment of NOK 4,695,082. Effective interest includes the example’s fees; the example amount and term are illustrations. This is a loan you repay with interest, not a grant.
Establishment costs start at NOK 2,500. The document-handling fee is NOK 1,000, with official expenses added. The fee per repayment instalment is NOK 60 and is scheduled to rise to NOK 70 on 8 December 2026. The bank reserves the right to change prices and correct errors. Your actual rate and costs depend on your ability to pay and the security offered; calculator results are not a binding offer.
Eligibility
- Your home must have energy rating A or B.
- The quoted ordinary green mortgage tariff applies within 75% of the home’s value. The loan must also satisfy Utlånsforskriften, Norway’s lending regulation, including the equity requirement for the selected loan. Equity is the part of the purchase price you cover with your own money.
- Total borrowing, including credit-card limits, cannot exceed five times your gross annual income. The bank must assess that your income covers repayments after expenses, other obligations and other debt. The tariff requires you to withstand an interest-rate rise of at least 3 percentage points.
- The bank checks payment history, including whether bills were paid on time and whether you have registered payment defaults. You must pay the loan on time and use Tolga-Os Sparebank for everyday banking to qualify for the published prices.
How to apply
- Status
- Öppet löpande
- Villkor för ansökningsomgången
- Individual bank assessment and green mortgage conditions apply.
Contact Tolga-Os Sparebank through its adviser contact page, call 62 49 61 00 during full-service hours (Monday–Friday, 09:00–15:00), or email post@tos.no to discuss a green mortgage.
The bank assesses your income, debt and assets. Its digital mortgage application allows it to obtain tax and income information from Altinn, the Norwegian public-service portal. Consent is temporary and limited to that application. If you decline the digital application or automatic document retrieval, you must supply the necessary documentation yourself.