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  2. Flexible mortgage loan

Flexible mortgage loan

Flexibility to access funds as needed, using the value of your property.

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Flexible access to funds

Easily access funds whenever you need them.

Interest-only payments

Only pay interest during the draw period.

Remote application

Apply online and receive an offer.

What is a flexible mortgage loan for?

Ideal for home improvements, unexpected expenses or other plans.

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How Flexible mortgage loan works?

Flexible mortgage loan allows you to borrow as much or as little as you need against the value of your property.

  • Use real estate as collateral and receive a credit line of up to 75% of the property's value.
  • Use the funds whenever you need during the draw period of up to 5 years.
  • Pay only the interest in the draw period.
  • Repay the loan during the repayment period of up to 25 years.

Calculator

6 years
30 years
Total amount payable: 163 552.00 EUR
Annual percentage rate (APR): 4.30 %
collateral house
307.50 EUR
Monthly payment for the first 5 years
480.04 EUR
Monthly payment for the remaining term
* Fixed margin + 6m Euribor.
The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.
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Loan conditions

  • Financing of up to 75% of property value.
  • Term of up to 30 years.
  • Interest-only payments during the draw period.
  • Possibility to choose floating or fixed interest rate.
Apply

Need help?

Get instant answers to your questions 24/7 from our website help tool: our virtual financial consultant, Adele.

A flexible mortgage loan is a credit line secured by your residential property. It allows you to access funds as needed – you can withdraw money repeatedly and repay it at a time that suits you.

This type of loan is suitable for property improvement, renovation, debt consolidation, or unexpected expenses.

You can borrow up to 75% of the value of your residential property. During the first five years, you only pay interest on the portion of the loan you’ve used. Once the draw period is over, interest and principal must be paid on the used loan amount.

  • Flexible access to funds – you can withdraw money whenever needed.
  • You only pay interest on the amount you have used.
  • You can select either a variable or fixed interest rate.
  • Apply easily online.

  • Financing up to 75% of the property's value.
  • Loan term up to 30 years.

Interest is calculated only on the actual amount used, not on the full approved credit line. For example, if in your agreement it is set that you can borrow up to 50 000 EUR, but you used only 10 000 EUR with interest rate 5%, your monthly interest payment will be 42 EUR.

A flexible mortgage loan is a credit line secured by your residential property. It allows you to access funds as needed – you can withdraw money repeatedly and repay it at a time that suits you.

This type of loan is suitable for property improvement, renovation, debt consolidation, or unexpected expenses.

You can borrow up to 75% of the value of your residential property. During the first five years, you only pay interest on the portion of the loan you’ve used. Once the draw period is over, interest and principal must be paid on the used loan amount.

  • Flexible access to funds – you can withdraw money whenever needed.
  • You only pay interest on the amount you have used.
  • You can select either a variable or fixed interest rate.
  • Apply easily online.

  • Financing up to 75% of the property's value.
  • Loan term up to 30 years.

Interest is calculated only on the actual amount used, not on the full approved credit line. For example, if in your agreement it is set that you can borrow up to 50 000 EUR, but you used only 10 000 EUR with interest rate 5%, your monthly interest payment will be 42 EUR.

Mortgage loan, Green mortgage loan, loan for the purchase of building land and flexible mortgage loan

Service Fee
Execution of credit and additional loan amount up to 1% of credit amount (min. 200 EUR)
Execution of amendments:
Change of loan repayment date and repayment account 0 EUR once in a calendar year; for the next change in the same calendar year, 75 EUR per each document
Processing loan grace period, extension of loan issuance, Bank’s approvals, permissions and consents related to the property encumbered in favour of the bank, permissions and consents related to the property encumbered in favour of the bank 75 EUR per each document
Execution of amendments to the other provisions of the agreement 0.75 % of credit amount (min 200 EUR) regarding which amendments are made to
See full price list

More opportunities

Consumer loan

Financing of up to 25 000 EUR to help with your plans. With no deposit, collateral and security.
Find out more

Mortgage loan

Financing with an ALTUM guarantee of up to 95% for your house, apartment, construction or ambitious renovations.
Find out more

Green mortgage loan

For financing green homes at great-value loan terms. Financing up to 95% with ALTUM guarantee.
Find out more

Home energy efficiency loan

A personally-calculated offer for up to 30 000 EUR. With no deposit, collateral and security.
Find out more

Example: if you have a flexible mortgage loan secured with real estate for the sum of 80 000 EUR, with a term of 30 years and a loan interest rate of 2.67% + 6 month EURIBOR (this calculation uses the 6 month EURIBOR rate as of 08.12.2025, which is 2.150%), and you only pay interest on the loan for the first 5 years, the monthly payment is 321.33 EUR. The monthly payment from year 6 is 459.32 EUR (together: 25 years or 300 payments). APR 5.27%. The total sum to be repaid by the customer (including loan repayment, interest, a commission fee for processing the loan of 1% of the loan, a government fee of 0.1% of the loan for registering the mortgage in the Land Register, and the annual insurance premium for the mortgaged property (assuming this is 100 EUR from the second year of the loan term)), is 162 067.15 EUR. Borrow responsibly, assessing your ability to repay the loan.