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Foreign buyers are welcomed in Estonia and mortgage products are becoming increasingly diverse to satisfy an unprecedented demand from both overseas buyers and the local population. The affordability of home loans in Estonia is currently fuelling mass demand for property.

Low interest Kroon (EEK) repayment mortgages are easy to come by in Estonia at a typical rate of around 4.25%, funding up to 80% of the property valuation over a period of 30 years or up to 65 years of age.

For the bank’s purposes, the cost of the new mortgage plus your other liabilities will have to be proven to not exceed your monthly income. In general, annual mortgage repayments cannot exceed 40-50% of your annual income. Rental income is not included as a consideration in the affordability of your loan.

If you are employed, your last six months’ pay slips, copies of your latest two P60s and you last 6 months personal bank statements will be required. Self-employed borrowers will need to produce copies of their last three years’ audited accounts, along with copies of bank statements for their last 12 months’ business and last 6 months’ personal accounts.

Many off-plan developments offer installment plans. The charges applicable vary according to developer and repayments are usually index linked. If you have property in your own country and would like to borrow against this in an equity release plan, we can introduce you to professional independent financial advisors who can help you raise the necessary finance.

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