Primary residence, second home or investment property: Nova Finance Corp's mortgage loan offers long terms, a fixed rate of 3% per year, and personal support all the way to the final signature.
Nova Finance Corp's mortgage loan finances the purchase of a property (new or existing), an investment property, or new construction. With terms of up to 25 years, you can tailor the payment to your budget — with a fixed rate guaranteed for the entire term.
Example: for the purchase of a flat you apply for €150,000 over 180 months (15 years). At the fixed rate of 3% per year, that works out to a monthly payment of around €1,036, which stays the same throughout the term — regardless of how the market moves.
A down payment is recommended (the amount varies depending on your application profile).
Debt level generally below 35%.
Stable employment situation (permanent contract, established self-employment ...).
Taking out insurance appropriate to the plan.
A fixed rate guaranteed for the entire term, even over 25 years.
A detailed simulation with a full repayment schedule.
Support from a personal advisor all the way to the signature.
The option to repay early or make additional repayments.
Simulate the purchase price, down payment and desired term in the loan calculator.
Upload the purchase agreement, proof of income and proof of your down payment.
Your advisor reviews your creditworthiness and your plans, with an initial response in 24h.
Once approved, the payout takes place directly at the agreed signing appointment.
A down payment of at least 10% to cover closing costs noticeably improves your chances of approval.
Compare the total cost (interest + insurance) and not just the advertised interest rate.
Secure a financing contingency clause in the purchase agreement before you sign.
There's no mandatory minimum, but a down payment (often 10% to cover closing costs) makes approval easier and can improve your terms.
No, the 3% rate is fixed and guaranteed for the entire term set out in your agreement.
Yes, the mortgage loan finances primary residences, second homes and investment properties.
As with any mortgage loan, a financing contingency clause protects the buyer if financing is declined.
Yes, the financed property usually serves as collateral and a lien is registered in favour of Nova Finance Corp.
It's not required by law, but it's recommended and may be requested by an advisor as a condition of approval, depending on your profile.
Yes, a joint application is common and, thanks to combined income, can make approval of larger amounts easier.
You can pay off the loan early using the proceeds of the sale; the exact terms are set out in your agreement.
Three steps, less than 5 minutes. An advisor will review your case and respond within 24h.