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Apply for mortgaging

Apply for mortgaging if you want to use a property or leasehold as security for a loan.

Mortgaging is valid until further notice. It must be separately extinguished.

What does mortgaging mean?

Mortgaging means an entry in the Land Information System. Mortgaging can be used as security for a loan.

Mortgaging shown in the Land Information System does not always mean that the mortgage is used as security for a loan. Property owners can contact the mortgagee (usually a bank) to identify whether their property is used as security for a loan.

How to apply for a mortgage

  1. Apply for mortgaging yourself or request your bank to prepare an application in  the Property Transaction Service.
  2. In certain cases, you cannot apply for mortgaging in the Property Transaction Service. If you cannot apply for mortgaging in the Property Transaction Service, you can apply for the registration of property ownership in the e-service:
    - individual customers in Finnish and in Swedish
    - organisational customers in Finnish and in Swedish
  3. If you are unable to use the e-service, you can apply for the registration of property ownership using application form in Finnish or in Swedish (suomi.fi).

Processing time

Average processing times for applications

Changes to mortgages

Transferring a mortgage

Transferring a mortgage means that the mortgagee changes. The mortgagee is usually the bank that finances the property transaction in question. Information about the mortgagee must be up to date. For example, when you have repaid your loan in full, ask your bank to apply for the transfer of a mortgage or apply for it yourself.

Apply for a mortgage transfer in the Property Transaction Service (in Finnish) or ask your bank to transfer the mortgage for you.

Changing of a mortgage

Changing a mortgage means that its priority over other mortgages is changed, or the mortgage is expanded to other properties, for example.

Apply for a change in a mortgage in the e-service (private customers in Finnish and in Swedish and organisational customers in Finnish and in Swedish).

If you cannot use our e-service, you can apply for a mortgage using a form (suomi.fi, in Finnish).

Cancelling and extinguishing a mortgage

Cancelling a mortgage means that register entry concerning the mortgage is removed from an unseparated parcel that has been sold from a property, for example. When a mortgage is extinguished, the whole mortgage is removed from the Land Information System.

You can apply for cancellation and extinguishment in the Property Transaction Service.

In some situations, the cancellation or extinguishment of a mortgage cannot be applied for in the Property Transaction Service. In this case, you can apply for cancellation or extinguishment in the e-service (private customers in Finnish and in Swedish and organisational customers in Finnish and in Swedish).

If you cannot use our e-services, you can apply for the cancellation or extinguishment of a mortgage using a form (suomi.fi, in Finnish).

Price and payment

Each mortgage and each change in a mortgage carries a separate charge. For example, if you apply for three new mortgages, you must pay for each mortgage.

If you apply for a mortgage in the Property Transaction Service or in the e-service, you must already pay for the mortgage when submitting your application. If you apply for a mortgage using a form, you will receive an invoice after the decision has been made.

Real property as security for a loan

Product Price € (excl. VAT) Price € (incl. VAT)
7420207453
Mortgage confirmation
47,00 No VAT
7420207460
Amendment of a mortgage
47,00 No VAT
7420207451
Mortgage extension
47,00 No VAT
7420207452
Mortgage termination
47,00 No VAT
7420207454
Mortgage consolidation for each mortgage formed through consolidation
47,00 No VAT
7420107462
Amendment of the identification information of an applicant registered in the public title and mortgage register, EUR per hour
118,00 No VAT
7420207459
Mortgage division for each mortgage formed through division
47,00 No VAT
7420107425
Annulment of a mortgage
25,00 No VAT
7420207458
Register entry concerning the recipient of electronic mortgage deed
25,00 No VAT
7420107427
Register entry concerning the mortgage deed holder
25,00 No VAT
7420207457
Conversion of a physical mortgage deed to electronic format
25,00 No VAT
7420207462
Conversion of a physical mortgage deed to electronic format, unit price for a minimum of 100 pcs
1,00 No VAT
7420207464
Matter concerning registration of pledge
172,00 No VAT
7420207465
Deletion of register entry concerning non-pledge
118,00 No VAT

Property Transaction Service

Product Price € (excl. VAT) Price € (incl. VAT)
10949
Service fee for preliminary agreement
64,00 No VAT
10954
Service fee for drawing up a deed of transfer (incl. fee for registration of title)
236,00 No VAT
10938
Mortgage application fee
26,00 No VAT
10939
Amendment of a mortgage
26,00 No VAT
10940
Application for transfer of mortgage deed
16,00 No VAT
10952
Application for annulment of mortgage
16,00 No VAT
10953
Registration of special right, electronic signature service
118,00 No VAT
10955
Alteration of special right
118,00 No VAT
10951
Conveyance of special right
118,00 No VAT
10956
Agreement concerning the establishment of a special right
118,00 No VAT
10974
Certificate of title
16,00 No VAT
10975
Certificate of mortgages and encumbrances
16,00 No VAT
10977
Certificate of leasehold
16,00 No VAT
10972
Extract from the cadastre
16,00 No VAT
10973
Extract from the cadastral index map
16,00 No VAT
10976
Extract from the cadastre for an unseparated parcel
16,00 No VAT
10983
Invoicing contract reopening fee
93,15 116,90
78101010986
General authority / application
181,43 227,70

More information