Skip to main content

Use your property as security for a loan (mortgage)

If you want to use your property, an unseparated parcel or a specified share of a property, or leasehold as security for a loan, you need to apply for a mortgage.

A mortgage is valid until further notice. It must be terminated when it is no longer needed.

How to apply for a mortgage

  1. Do the mortgage application yourself or ask your bank to draft an application in the Property Transaction Service.
  2. If you are unable to use our online service, you can also use our application form on the suomi.fi website (in Finnish).

Processing time

See the average processing times of applications and surveying services on the Application processing times page.

When you apply for a mortgage or a transfer of an electronic mortgage deed in the Property Transaction Service, the matter can be decided immediately, unless register entries prevent it.

The mortgage can only be granted if the title or leasehold has been registered in the title and mortgage register.

Changes to mortgages

Transferring an electronic mortgage deed

The recipient of an electronic mortgage deed is usually the bank that is financing a property conveyance. The information concerning the recipient of the mortgage deed must be up to date. The transfer of an electronic mortgage deed means that the recipient of the mortgage deed changes.

Apply for the transfer of an electronic mortgage deed in the Property Transaction Service (in Finnish) or ask your bank to process the transfer.

Amendment of a mortgage

Amendment of a mortgage means, for example, that its position in the order of precedence of mortgages is changed or that the mortgage is extended to other properties. Apply for amendment of a mortgage using our online form (in Finnish).

Cancelling and extinguishing a mortgage

A mortgage is often cancelled when the register entry concerning the mortgage is removed from an unseparated parcel that has been sold from the property. When a mortgage is extinguished, the whole mortgage is removed from the title and mortgage register.

You can apply for a cancellation or extinguishment of a mortgage with our online form (in Finnish) or in the Property Transaction Service.

Price and payment

Each registered mortgage is subject to a charge.

If you apply for a mortgage through the Property Transaction Service, you will be expected to pay as you apply. In other cases, the charge becomes payable when the decision has been given.

Real property as security for a loan

Product Price € (excl. VAT) Price € (incl. VAT)
7420207453
Mortgage confirmation
40,00 No VAT
7420207460
Amendment of a mortgage
40,00 No VAT
7420207451
Mortgage extension
40,00 No VAT
7420207452
Mortgage termination
40,00 No VAT
7420207454
Mortgage consolidation for each mortgage formed through consolidation
40,00 No VAT
7420107462
Amendment of the identification information of an applicant registered in the public title and mortgage register, EUR per hour
95,00 No VAT
7420207459
Mortgage division for each mortgage formed through division
40,00 No VAT
7420107425
Annulment of a mortgage
0,00 No VAT
7420207458
Register entry concerning the recipient of electronic mortgage deed
21,00 No VAT
7420107427
Register entry concerning the mortgage deed holder
40,00 No VAT
7420207457
Conversion of a physical mortgage deed to electronic format
21,00 No VAT
7420207462
Conversion of a physical mortgage deed to electronic format, unit price for a minimum of 100 pcs
1,00 No VAT

Property Transaction Service

Product Price € (excl. VAT) Price € (incl. VAT)
10949
Service fee for preliminary agreement
53,00 No VAT
10954
Service fee for drawing up a deed of transfer (incl. fee for registration of title)
197,00 No VAT
10938
Mortgage application fee and changing a mortgage
22,00 No VAT
10940
Application for transfer of mortgage deed
13,00 No VAT
10952
Application for annulment of mortgage
0,00 No VAT
10953
Registration of special right, electronic signature service
100,00 No VAT
10955
Alteration of special right
100,00 No VAT
10951
Conveyance of special right
100,00 No VAT
10974
Certificate of title
14,00 No VAT
10975
Certificate of mortgages and encumbrances
14,00 No VAT
10977
Certificate of leasehold
14,00 No VAT
10972
Extract from the cadastre
14,00 No VAT
10973
Extract from the cadastral index map
14,00 No VAT
10976
Extract from the cadastre for an unseparated parcel
14,00 No VAT
10983
Invoicing contract reopening fee
82,58 102,40
78101010986
General authority / application
257,98 319,90

Do you need help filling in an application?

Contact our customer service by phone at 029 530 1110.

Help the environment – request e-invoices

The e-invoice is an easy and safe way to receive invoices from the National Land Survey to your online bank.