LettDigital.no
lettdigital.no/en/bolig — Skrevet ut 17.2.2026
About 25 minutes•Medium
Apply for starter loan
Starter loan is a loan from the municipality for people who have problems getting a loan from a regular bank. It can be used to buy a home or refinance expensive debt.
What is a starter loan?
Starter loan is a loan from your municipality financed by Husbanken. It's meant for those with stable income but who can't get a loan from a regular bank.
The starter loan can cover all or part of the purchase price for a home. The interest rate is favorable and you can get long repayment time.
Who can get a starter loan?
- You must have long-term problems getting a loan from a regular bank
- You must have the ability to service the loan over time
- You must need housing (first-time buyers, families with children, single providers)
- You must be able to document your income
- You must have tried to get a loan from a regular bank first
How to apply for starter loan
Your progress0%
Contact a bank and ask if they can give you a mortgage. If they say no, ask for written confirmation of the rejection.
Tip!
The rejection from the bank is important documentation in your application.
Useful tips
- Start the process early - processing time can be long
- Be realistic about what you can afford
- You may get starter loan together with grants in some cases
- The municipality can help you find a suitable home
- You can apply for payment deferral if your finances change
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Last updated: 15 February 2026