You can choose between two refinancing options
Regular refinancing
When refinancing your loan, you can request to increase the loan amount, extend loan maturity, or pledge otherreal estate.
Simplified refinancing (effective from 1 February 2025)
When refinance your loan, you are meeting the following conditions:
- you do not change the amount of the loan outstanding
- you secure the repayment with the same mortgaged real estate
- the duration of the new credit agreement does not exceed the remaining duration of the original agreement
- you have duly fulfilled your financial obligations under the original credit agreement
You may use the simplified refinancing procedure no more than once every 2 years.
In the case of simplified refinancing, we will waive the agreement fee and the commitment fee and reimburse the cost of an independent (external) property valuation, if we ask you to carry out such a valuation and we will sign a home loan agreement. We will also reimburse the notary’s fees for the certification of the mortgage or the right attached to the real estate and the transmission of data to the public register, and the fees of the public registrar for the registration of the mortgage or the right attached to the real estate in the public register.
Why should I refinance my home loan with SEB?
A single consultant who will help you throughout the entire process
Remote application and signing of the agreement
Advice and consultancy which is highly appreciated by customers*
* Internal customer survey performed on January-December 2024, where customers rated their satisfaction with mortgage credit advice at 4.7/5
Feedback from our customers
“Clear information, smooth communication, answered all questions, favourably agreed home loan offer, clearly stated conditions, everything is great.”
Comment from our customer survey
“Information is provided quickly and qualitatively. The employees are very nice, explain everything well and are ready to help.”
Comment from our customer survey
“I felt genuine caring communication. All concerns were clarified.”
Comment from our customer survey
How do I get advice or fill an application?
If you have a home loan with another bank or financial institution
Fill in the application for a new credit agreement in our website.
If you have a home loan with SEB and want to change your conditions
Fill in the application by logging in to your Internet Bank account. To do this, click on “Loans and leasing” → “My loans” → “Other changes” → “Change interest rate” → “Yes” in the menu bar.
We are currently experiencing an increase in the number of applications. Therefore, once you have submitted your application, we will contact you and answer your questions as soon as possible, but no later than within 15 working days.
What documents do I need to submit if I want to refinance my loan with SEB?
If you are applying to refinance your home loan, you will need to submit similar documents as when you apply for a new home loan. You can find a list of the required documents in the home loan section of our website.
