Mortgage loan

Mercury Credit offers loans secured by real estate. In this case, the collateral for the loan agreement payments is the property owned by the borrower.

You can quickly and conveniently calculate an approximate payment amount using the loan calculator.

• We offer loans for both existing and new real estate purchases.
• When applying for a loan secured by real estate, we focus on the borrower’s income and collateral, and establishing a mortgage does not limit your ability to use or manage the property. You may also sell the property without restrictions.

Key conditions:

• Both individuals and legal entities can apply for a loan secured by real estate;

Required loan amount:

• Minimum amount of €1,000
• Up to 85% of the market value of the collateral
• Up to 100% with additional collateral

Repayment period:

• Up to 15 years

Interest rate:

• Base interest rate of 1% per month or 12% per year
• A payment holiday for the principal loan amount may be available

Collateral:

• Collateral accepted as property (apartment, house, cottage, land plots) throughout Estonia

Contract-related costs:

• Contract conclusion fee - subject to agreement;
• Notary fee and state fee for establishing a mortgage;
• Collateral insurance costs.