{"id":383,"date":"2023-10-14T11:57:10","date_gmt":"2023-10-14T11:57:10","guid":{"rendered":"https:\/\/staging.moneyhub.ee\/?page_id=383"},"modified":"2025-04-11T16:49:16","modified_gmt":"2025-04-11T14:49:16","slug":"mortgages","status":"publish","type":"page","link":"https:\/\/staging.moneyhub.ee\/en\/money\/mortgages\/","title":{"rendered":"Mortgages"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"383\" class=\"elementor elementor-383\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-770c0b2 e-flex e-con-boxed e-con e-parent\" data-id=\"770c0b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b3ab043 elementor-widget elementor-widget-shortcode\" data-id=\"b3ab043\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4b3c93f e-flex e-con-boxed e-con e-parent\" data-id=\"4b3c93f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2de277b ddddf e-flex e-con-boxed e-con e-child\" data-id=\"2de277b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f0e0df7 e-flex e-con-boxed e-con e-parent\" data-id=\"f0e0df7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0e83863 ddddf e-flex e-con-boxed e-con e-child\" data-id=\"0e83863\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd2ea35 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-heading\" data-id=\"cd2ea35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Mortgages made easy<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7f2c32 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e7f2c32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Comparing mortgages with MoneyHub always leads to happier home-buying.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21a8c7b elementor-widget elementor-widget-text-editor\" data-id=\"21a8c7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>MoneyHub experts say:<\/strong><\/p><p><em>\u201cFixed rate or variable? Repayment or interest-only? Flexible features? There\u2019s plenty to navigate when deciding on the type of mortgage that\u2019ll suit you best. Be realistic about what you can or cannot afford.\u201d<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b60578 e-flex e-con-boxed e-con e-parent\" data-id=\"3b60578\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e400af1 table-overflow tablepress-nwdesign elementor-widget elementor-widget-shortcode\" data-id=\"e400af1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<table id=\"tablepress-23\" class=\"tablepress tablepress-id-23 highlight-rows-1-3 tablepress-responsive\">\n<thead>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\"><\/td><th class=\"column-3\">Summa<\/th><th class=\"column-4\">Periood<\/th><th class=\"column-5\">Huvi<\/th><th class=\"column-6\">M\u00e4\u00e4ruses v\u00e4\u00e4rtuseni<\/th><th class=\"column-7\">Meie hinnang<\/th><td class=\"column-8\"><\/td>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"\/wp-content\/uploads\\tv\\luminor.png\"><\/td><td class=\"column-2\">Luminor<\/td><td class=\"column-3\">Alates \u20ac10,000<\/td><td class=\"column-4\">Kuni  20 aastat<\/td><td class=\"column-5\">2.6 - 4.2%<\/td><td class=\"column-6\">70%<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/starssvg\/4.5.svg\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/luminor.ee\/\">Vaata l\u00e4hemalt<\/a><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"\/wp-content\/uploads\\tv\\holm.png\"><\/td><td class=\"column-2\">Holm Bank<\/td><td class=\"column-3\">7,000 - 400,000\u20ac<\/td><td class=\"column-4\">Kuni  30 aastat<\/td><td class=\"column-5\">3% + Euribor<\/td><td class=\"column-6\">85%<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/starssvg\/4.0.svg\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.holmbank.ee\/\">Vaata l\u00e4hemalt<\/a><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"\/wp-content\/uploads\\tv\\seb.jpg\"><\/td><td class=\"column-2\">SEB<\/td><td class=\"column-3\">Alates \u20ac7,000<\/td><td class=\"column-4\">Kuni  30 aastat<\/td><td class=\"column-5\">3.66% + Euribor<\/td><td class=\"column-6\">80%<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/starssvg\/3.5.svg\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.seb.ee\/\">Vaata l\u00e4hemalt<\/a><\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"\/wp-content\/uploads\\tv\\swedebank.png\"><\/td><td class=\"column-2\">Swedbank<\/td><td class=\"column-3\">Alates \u20ac20,000<\/td><td class=\"column-4\">Kuni  30 aastat<\/td><td class=\"column-5\">3.7% + Euribor<\/td><td class=\"column-6\">85%<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/starssvg\/4.0.svg\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.swedbank.ee\/\">Vaata l\u00e4hemalt<\/a><\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"\/wp-content\/uploads\\tv\\coop.png\"><\/td><td class=\"column-2\">Coop<\/td><td class=\"column-3\">5,000 - 250,000\u20ac<\/td><td class=\"column-4\">Kuni  20 aastat<\/td><td class=\"column-5\">3.5% + Euribor<\/td><td class=\"column-6\">85%<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/starssvg\/3.0.svg\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.cooppank.ee\/\">Vaata l\u00e4hemalt<\/a><\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"\/wp-content\/uploads\\tv\\bigbank.png\"><\/td><td class=\"column-2\">Bigbank<\/td><td class=\"column-3\">7,000 - 250,000\u20ac<\/td><td class=\"column-4\">Kuni  30 aastat<\/td><td class=\"column-5\">3.5% + Euribor<\/td><td class=\"column-6\">85%<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/starssvg\/3.0.svg\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.bigbank.ee\/\">Vaata l\u00e4hemalt<\/a><\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"\/wp-content\/uploads\\tv\\citadele.png\"><\/td><td class=\"column-2\">Citadele<\/td><td class=\"column-3\">Alates \u20ac30,000<\/td><td class=\"column-4\">Kuni  10 aastat<\/td><td class=\"column-5\">3.5% + Euribor<\/td><td class=\"column-6\">60%<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/starssvg\/3.0.svg\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.citadele.ee\/\">Vaata l\u00e4hemalt<\/a><\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"\/wp-content\/uploads\\tv\\lhv.jpg\"><\/td><td class=\"column-2\">LHV<\/td><td class=\"column-3\">Alates \u20ac30,000<\/td><td class=\"column-4\">Kuni  10 aastat<\/td><td class=\"column-5\">3.5% + Euribor<\/td><td class=\"column-6\">70%<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/starssvg\/3.0.svg\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.lhv.ee\/\">Vaata l\u00e4hemalt<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-23 from cache --><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b1252a0 e-flex e-con-boxed e-con e-parent\" data-id=\"b1252a0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f65962a elementor-widget elementor-widget-heading\" data-id=\"f65962a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mortgages FAQs\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-369c52e elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"369c52e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-369c52e\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"369c52e\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-does-loan-to-value-ltv-mean\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-5721\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What does 'loan-to-value' (LTV) mean?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-5721\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"what-does-loan-to-value-ltv-mean\"><p><span style=\"font-weight: 400\">This is the percentage of the property value you&#8217;re loaned as a mortgage \u2013 in other words, the proportion you&#8217;re borrowing.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400\">To calculate this, subtract your deposit\/equity as a percentage of the property value from 100%. So if you have a \u20ac60,000 deposit on a \u20ac300,000 home, that&#8217;s a 20% deposit. This means you owe 80% \u2013 so the LTV is 80%.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"why-is-ltv-important\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-5722\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Why is LTV important?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-5722\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"why-is-ltv-important\"><p><span style=\"font-weight: 400\">Your LTV significantly impacts the interest rate you can get on a mortgage. That&#8217;s because mortgage and remortgage rates are priced in the LTV bands \u2013 and the bigger deposit\/equity you have, the lower the interest rate will be.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"can-i-get-an-interest-only-mortgage\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-5723\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Can I get an interest-only mortgage?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-5723\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"can-i-get-an-interest-only-mortgage\"><p><span style=\"font-weight: 400\">Interest-only mortgages still exist, though these days, they are the preserve of higher earners with a large deposit who can provide proof of being able to pay off the entire mortgage balance as a lump sum in the future.<\/span><\/p><p><span style=\"font-weight: 400\">For most borrowers, a capital repayment mortgage is a way to go. With this kind of mortgage, you&#8217;ll be repaying both the capital you&#8217;ve borrowed and the interest due each month (rather than just the interest, as is the case with interest-only), meaning your debt will be cleared by the time the mortgage term ends.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"how-long-should-i-fix-my-mortgage-for\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-5724\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">How long should I fix my mortgage for?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-5724\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"how-long-should-i-fix-my-mortgage-for\"><p><span style=\"font-weight: 400\">Mortgage deals typically fall into two broad categories: fixes and variables.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Where you&#8217;re looking to &#8216;fix&#8217; your mortgage, you&#8217;ll need to decide how long you&#8217;d like to fix it. For example, two, three, five, 10 years? This critical decision could be very costly if you get it wrong.<\/span><\/p><p><span style=\"font-weight: 400\">There are several factors to consider when working out how long to fix, so there is no one-size-fits-all answer. <\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"should-i-overpay-my-mortgage\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"5\" aria-controls=\"elementor-tab-content-5725\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Should I overpay my mortgage?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-5725\" class=\"eael-accordion-content clearfix\" data-tab=\"5\" aria-labelledby=\"should-i-overpay-my-mortgage\"><p><span style=\"font-weight: 400\">Most mortgage deals allow overpayments \u2013 typically by up to 10% of the outstanding mortgage balance each year.<\/span><\/p><p><span style=\"font-weight: 400\">Overpaying could mean you save \u20ac1,000s, even \u20ac10,000s, in interest and reduce how long it takes to pay off your mortgage. Yet while overpaying works out for some, for others, it&#8217;s more sensible to save instead.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"how-are-my-borrowing-needs-assessed-in-estonia\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"6\" aria-controls=\"elementor-tab-content-5726\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">How are my borrowing needs assessed in Estonia?`<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-5726\" class=\"eael-accordion-content clearfix\" data-tab=\"6\" aria-labelledby=\"how-are-my-borrowing-needs-assessed-in-estonia\"><p>Currently, commercial banks in Estonia must assess a borrower&#8217;s maximum borrowing capacity using either the interest rate in the loan contract in question plus two percentage points or an annual rate of 6 percent, whichever is higher.<\/p><p>Beginning 1st April, however, the two additional percentage points will be dropped, and calculations will have to apply either the interest rate in the loan contract or an annual rate of 6 percent, whichever is higher.<\/p><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Mortgages made easy Comparing mortgages with MoneyHub always leads to happier home-buying. MoneyHub experts say: \u201cFixed rate or variable? Repayment or interest-only? Flexible features? There\u2019s plenty to navigate when deciding on the type of mortgage that\u2019ll suit you best. Be realistic about what you can or cannot afford.\u201d Mortgages FAQs What does &#8216;loan-to-value&#8217; (LTV) mean? [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":17459,"parent":244,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"elementor_theme","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-383","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"blog_post_layout_featured_media_urls":{"thumbnail":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-curtis-adams-1694007-51780471-150x150.jpg",150,150,true],"full":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-curtis-adams-1694007-51780471-scaled.jpg",2560,1442,false]},"categories_names":null,"comments_number":"0","rttpg_featured_image_url":{"full":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-curtis-adams-1694007-51780471-scaled.jpg",2560,1442,false],"landscape":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-curtis-adams-1694007-51780471-scaled.jpg",2560,1442,false],"portraits":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-curtis-adams-1694007-51780471-scaled.jpg",2560,1442,false],"thumbnail":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-curtis-adams-1694007-51780471-150x150.jpg",150,150,true],"medium":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-curtis-adams-1694007-51780471-300x169.jpg",300,169,true],"large":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-curtis-adams-1694007-51780471-1024x577.jpg",800,451,true],"1536x1536":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-curtis-adams-1694007-51780471-1536x865.jpg",1536,865,true],"2048x2048":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-curtis-adams-1694007-51780471-2048x1154.jpg",2048,1154,true]},"rttpg_author":{"display_name":"Simon Grey","author_link":"https:\/\/staging.moneyhub.ee\/en\/author\/admin\/"},"rttpg_comment":0,"rttpg_category":" <a href=\"https:\/\/staging.moneyhub.ee\/en\/?taxonomy=translation_priority&#038;term=optional\" rel=\"tag\">Optional<\/a>","rttpg_excerpt":"Mortgages made easy Comparing mortgages with MoneyHub always leads to happier home-buying. MoneyHub experts say: \u201cFixed rate or variable? Repayment or interest-only? Flexible features? There\u2019s plenty to navigate when deciding on the type of mortgage that\u2019ll suit you best. Be realistic about what you can or cannot afford.\u201d Mortgages FAQs What does &#8216;loan-to-value&#8217; (LTV) mean?&hellip;","_links":{"self":[{"href":"https:\/\/staging.moneyhub.ee\/en\/wp-json\/wp\/v2\/pages\/383","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.moneyhub.ee\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/staging.moneyhub.ee\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/en\/wp-json\/wp\/v2\/comments?post=383"}],"version-history":[{"count":0,"href":"https:\/\/staging.moneyhub.ee\/en\/wp-json\/wp\/v2\/pages\/383\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/en\/wp-json\/wp\/v2\/pages\/244"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/en\/wp-json\/wp\/v2\/media\/17459"}],"wp:attachment":[{"href":"https:\/\/staging.moneyhub.ee\/en\/wp-json\/wp\/v2\/media?parent=383"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}