The 30-year mortgage is the most common choice for first-time buyers – yet it’s surprisingly rarely discussed. OUN® already has analyses of 35 and 40 year loan terms, but this one was missing entirely. Let’s fix that now. Consumer confidence is at its highest since 2022 according to Hypo’s June 2026 economic review, and the […]
30-year mortgage: a suitable choice for first-time buyers Read More »
The Bank of Finland commented and Yle reported at the end of June on a matter that directly affects everyone applying for a mortgage: the down payment requirement for home loans is decreasing. For first-time home buyers, the change sounds like good news. With a smaller initial capital, you can enter the market sooner! But
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A 40-year mortgage sounds like an attractive option: lower monthly payments, easier to qualify for, and you can finally become a homeowner. But before you sign anything, it’s important to understand what a long loan term really costs. The Bank of Finland has already warned that new mortgage regulations could lead to significantly higher debt
40-Year Mortgage, Vol. 2: What First-Time Home Buyers Need to Know Read More »
The media is currently abuzz with talk of 35- to 40-year mortgages. Rising interest rates have made monthly payments higher than they were a couple of years ago. A long loan term is appealing because it lowers the monthly payment. But is it really worth it? Why a long loan term seems appealing For many
A 35-Year Mortgage: When Is a Longer Loan Term Worth It? Read More »
Mortgages have traditionally been a safe choice for Finns. Now the wind is changing. According to a recent survey by S-Pankki, 44% of Finns consider a mortgage to be a financial risk. A year ago, the figure was 33%. Meanwhile, the government has already eased mortgage rules twice this year. In April, loan periods were
The first-home savings loan 2026 is a familiar concept to many first-time home buyers, but few are aware that significant changes to the system are coming in June 2026. At the same time, there are other first-time homebuyer financing solutions on the market, each with its own advantages and limitations. Let’s take a look at
First-Home Savings Loan 2026 – Benefits for First-Time Home Buyers and Changes Read More »
