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Mortgage loan

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apr_homeLoans Find out the possibilities

Open the door to a new beginning!

Special offer for Gold Service customer: 20% discount on the agreement fee.1Disclaimer details

For buying or building a home.

  • Loan up to 85% of the property's market value
  • Repayment period up to 30 years
  • Extensive Altum support programmes

Special offer! 0 EUR agreement fee when purchasing a home in one of our partners new projects.

Caution! Borrowing costs money.

Start here

1. If there’s a better campaign offer, the offer with the highest possible discount will be applied to you. Back to content

What are your needs?

Regular net monthly income at least 900 EUR per month after taxes, at least 1200 EUR per month with a co-applicant. Your current loan liabilities exceed the optimal monthly repayment amount. Mortgage loan is not available to you. Minimum mortgage loan amount is 20 000 euros. We recommend using the Small loan for smaller amounts. Minimum mortgage loan amount is 20 000 euros. We recommend using the Home small loan for smaller amounts. Average net income in the last 6 months. € Specify the number of children of up to 18 years of age and/or number of dependants in your household.
Small loan, credit card, overdraft, line of credit, study loan and other short-term credits

Please, specify the total amount of all your existing monthly loan payments.

In monthly payments, also include details about any loans where you’re the surety and any loan obligations that you’ve assumed together with another borrower.
Fill in application

Loan payment calculations are approximate and may differ from your personal offers.

 The total monthly payment can’t exceed %PERCENTAGE%% of your monthly income. Select a smaller loan amount or increase the loan term. Minimum mortgage loan amount is 20 000 euros. We recommend using the Small loan for smaller amounts. Minimum mortgage loan amount is 20 000 euros. We recommend using the Home small loan for smaller amounts. €
  • Down payment starting from 15%.
  • In case of Altum the down payment can be reduced down to 5%.
  • Down payment may not be needed if you collateralize your own property.
 % € %

Loan

  • €

Insure your

  • From €
  • From €
  • From €
Fill in application

Repayment schedule

Basis for the calculation

Choose whether you would like to repay the loan on the basis of an annuity schedule or equal principal schedule.
- In case of an annuity schedule the advantage lies in the stability because the amount that you pay each month remains the same throughout the entire period.
- In case of an equal principal schedule the amount spent on interest payments is smaller. At the beginning, the repayments are larger, but each following payment is smaller than the previous one.
Payment date Balance Principal payment Interest payment Total monthly payment
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Results are approximate and may differ from conditions offered to you.

Loan and Insurance payment calculations are approximate and may differ from your personal offers. Home insurance and insurance against borrower's unemployment and incapacity for work insurance is provided by Swedbank P&C insurance AS. Life insurance is provided by Swedbank Life Insurance SE which are represented in Latvia by their branches and by the insurance agent Swedbank AS.

 The minimum amount is 20000 EUR. input-error-label If you’re expecting a baby or already have at least one child of up to 23 years of age in your custody who lives with you. Regions: outside Riga, outside area surrounding Riga (Mārupe, Ķekava, Olaine, Salaspils, Ropaži, Ādaži counties) and outside Jūrmala. % Read more

Loan example
With Altum

Home loan with ALTUM support

Home loan without ALTUM support
Loan amount
Altum guarantee amount -
Required own investment
Programme “Support”
You may qualify for an additional grant of {0} EUR
 -
Nearly zero-energy building -
Monthly payment 0 0
Altum’s fee for granting 0 -
Monthly fee for credit guarantee from Altum The fee will be charged automatically on a quarterly basis starting with the second year of using the guarantee. The fee is calculated from the remaining amount of the guarantee until the guarantee is terminated (a maximum of 10 years) 0 -
Land Register’s stamp duty for ownership registration 0 0
Loan example

The data provided by the calculator is for information only, however it gives you an idea of what could be the size of your monthly payments for the mortgage loan.

Home exchange is a suitable solution when you wish to swap your current property for a new home that suits you better. During transitional period, pay just the interest for both loans.

€

Loan example

Existing mortgage loan

Transitional period The transitional period is the time intended for you to be able to buy and move to the new property, sell the old property and pay off its loan.

Loan for the new property after the transitional period
Balance of loan € €
Period 1 year
Monthly principal repayment 0€ Postponed 0€
Monthly interest payment 0€ 0€ 0€
Monthly total payment 0€ 0€ 0€
​

Mortgage loan payment calculations are tentative and may be subject to change after the application is filled out and all the necessary data is submitted. When taking out a loan, consider the associated additional expenses - notary services, real estate valuation, Land Register duties etc.
  • For buying new home.
  • For building a home.
  • For purchasing land plot.
  • For moving an existing home loan from another credit institution.
  • Home exchange solution if you want to buy new property before selling old one.

More about Home Exchange solution here.
  • For other bigger expenses by collateralizing your own property.
  • For furnishing, remodelling, renovating or buying other properties (e.g. a summer house).
  • Down payment may not be needed if you collateralize your own property.

Apply for home equity loan

  • Mortgage loan with support from ALTUM
  • Down payment can be reduced down to 5%.
  1. Determine how much you can expect to borrow based on your current salary and financial commitments.
  2. If you are buying a new home through our real estate partner, ask for a discount code and information about the offer from real estate agent.
  3. Fill in the application on the Internet Banking site and get a consultation.
  4. The bank notifies you of its loan decision.
  5. Sign the loan agreement on the Internet Banking site and set up home insurance. New lending transactions may be concluded via Internet Banking between 8 AM and 9 PM. According to the Consumer Rights Protection Law, it is not permitted to sign documents during the time period from 9 PM to 8 AM.
  6. After the notarial transaction, the bank will disburse the loan.

Any property to be bought and mortgaged must be appraised by an independent valuator.
  • Loan amount from 20,000 EUR.
  • Loan up to 85% of collateral value.
  • Loan term up to 30 years.
  • Income at least 900 EUR per month after taxes, at least 1200 EUR per month with a co-applicant.
  • Available interest rates:
    • - a variable interest rate consisting of an individually set margin rate and the 6-month Euribor rate. For current Euribor rates, see here.
    • - a fixed interest rate, which is set for 5 years and, at the end of the fixing period, changes to a variable interest rate set in the agreement.
  • Additional expenses (notary, real estate valuation) and bank fees will apply to your loan.
  • Loan is repayable on the basis of annuity or amortization schedule within the agreed term by pre-determined monthly payments on your chosen payment date.
Mortgage loan interest rates Loan monthly payment interest rate change calculator

Fees

Mortgage loans

Service How to apply Price, EUR Additional information
Receiving
Loan application processing Apply for via Internet Banking Free of charge
Setting up and disbursement of credit 1.2% Loan refinancing from other bank free of charge*
For Gold Service customers - 1% of the loan amount
Appraising residential property’s present market value with/without inspection 100.00 - 230.00 With inspection
- Apartment – 122.00
- Single-family residential house – 230.00
- Land plot for construction – 150.00
Without inspection
- Apartment – 100.00
- Single-family residential house – 210.00
- Land plot for construction – 130.00 		Valuation by Swedbank AS is prepared in abbreviated form and is not suitable for presenting to other credit institutions, and cannot be used for the needs of other individuals or legal entities.
Appraising residential property’s future market value with/without inspection 135.00 - 260.00 With inspection
- Apartment – 155.00
- Single-family residential house – 260.00
Without inspection
- Apartment – 135.00
- Single-family residential house – 240.00
Assessing and approving a property's reconstruction or construction cost estimate 55.00 In case of construction and reconstruction of the property to be valuated - always.
Assessing and approving a property's refurbishment cost estimate 35.00 Upon bank’s request.
External valuation opinion/commentary 20.00
Using
Interest rate Set on case-to-case basis
Interest rate revision 150,00*
Change of date of monthly payments Easier via Internet Banking Free of charge
Other changes in credit agreement 150.00 Depending on the type of changes in the agreement, it may be necessary to determine the market value of the property, for which a fee will be charged according to the Price List.
Changes in credit agreement in case of restructuring 75.00
Assessment of expenditure of funds at the construction site 50.00 - 75.00 If the loan is issued for refurbishment of property - 50.00
If the loan is issued for construction/reconstruction of property - 75.00 		In case of construction and reconstruction - always.
In case of refurbishing - only upon bank's request.
Standard bank certificate (balance of the loan, interest and principal paid, overdues, loan collateral, consents, purpose of the loan) Easier via Internet Banking See Bank certificates, document requests, etc. Unless stated otherwise in the agreement.
Other type of certificates upon request Easier via Internet Banking See Bank certificates, document requests, etc.
Early partial repayment of credit Easier via Internet Banking Free of charge
Closing
Full early repayment of the loan Easier via Internet Banking Free of charge Note that there will be additional costs for notary services.
Document processing fee in case of re-financing the loan to other credit institution Free of charge

Effective from 01.10.2021.

* Valid until 31.12.2026.

Home small loan

Service How to apply Price, EUR Additional information
Receiving
Loan disbursement Easier via Internet Banking 1% of the amount, min. 100.00 The fee is withheld from the amount of loan granted.
Using
Interest rate From 6.9% per annum The interest rate is set for each customer individually and interest accrues on the outstanding amount of the loan.
Change of monthly payment date or the linked account Best value via Internet Banking 0.00 - 7.00 Via Internet Banking - 0.00
At branches - 7.00"
Other changes in the loan agreement Easier via Internet Banking 25.00
Early partial repayment of the credit Easier via Internet Banking Free of charge No fee will be charged if no other changes are made in the consumer credit agreement.
Closing
Full early repayment of the credit Easier via Internet Banking Free of charge

Effective from 18.04.2017.
  • General terms and conditions of home loan
  • European standardized information sheet for credit agreements for real estate purchases or credit agreements where repayment is secured by real estate mortgage

Our financial consultants will be able to assess each situation and find the most suitable solution to make your home ownership journey as easy and cost-effective as possible.

Our experts will:

  • Explain all steps of the process
  • Advise on available financing, amount of down payment and monthly payments
  • Help with the necessary paperwork
  • Tell about the state support possibilities

Fill out the application, contact us by phone or book a video consultation. We'll support you both in signing a new agreement and in situations where questions arise and changes occur during an existing agreement.

If you plan to build or renovate your house, we offer you a unique opportunity – free advice from a construction expert.

Our construction expert will help:

  • Understand whether construction costs have been calculated in line with the market situation and the technical design
  • Evaluate the construction process and choice of materials
  • Support with advice during construction and recommendations when putting the building into operation

With the self-service feature on the Internet Banking site, you can, free of charge and at any time:

  • Change the payment date
  • Change the payment account
  • Make partial or full early repayment

If you have the opportunity to repay part or all of your loan early, you can do so free of charge as well.

If you experience difficulties covering the principal repayments, you can postpone them for up to 6 months.

A full range of insurance solutions in a single place via Internet Banking – you can easily sign contracts, make changes and submit insurance claims.

  • Home insurance: provides an all-risk cover. For example, fire, pipe rupture, natural disasters (wind, hail, thunderstorm, flood), robbery or damage accidentally caused by yourself.
  • Borrower's insurance against unemployment and incapacity for work: if you become unable to work or unemployed, you won't need to apply for a loan holiday, make changes to your loan agreement or spend your savings. Insurance will take care of that.
  • Life insurance: if you're the primary earner in your family, life insurance can offer important support in case you can no longer provide it yourself.

Better terms for our:

  • Home Small Loan
  • Credit cards
  • Solar Panel Loan
  • Home Energy Efficiency Loan
  • Home exchange solution when you wish to swap your current property for a new or bigger one
  • Possibility to receive an additional amount on top of the existing loan

We share our expertise and that of other industry experts with our customers and the wider public - not just on financing matters, but much more broadly.

At your disposal:

  • Swedbank blog on housing topics
  • Podcast and video series "Housing Conversations”
  • Housing Meetup
  • Green House School
  • Partner open days, where our experts are also involved and provide useful advice.

Offers for Swedbank mortgage loan customers

When you take out a mortgage loan with us, you can enjoy discounts and special terms from our partners:

  • Virši electricity – 100% discount on the monthly service fee
  • Design Box – interior design items with a 20% discount
Find out more

What to know if you wish to refinance from another bank to Swedbank?

Monthly payment change calculator

  • Fill out the application. In the comment field, indicate that you wish to move your loan to Swedbank.
  • Get advice on your financial options and the need for a valuation of the real estate.
  • Receive our offer.
  • Sign the loan agreement via Internet Banking.
  • Go to the notary of your choice to approve the pledge (mortgage) amendments and submit the documents to the Land Registry.
  • After the pledge has been amended in the Land Registry, the mortgage loan will be set up with Swedbank and you will be able to take advantage of all the other benefits we offer.
  • Your after-tax income must be at least 900 EUR per month or at least 1200 EUR per month with a co-borrower.
  • The interest rate on the loan will be in line with the current market situation. You can choose between variable and fixed interest rates.
  • No down payment required.
  • Possibility to receive an additional amount on top of the existing loan.
  • There is an option to extend the term of the existing loan up to 30 years.
  • Setting up and disbursing the loan – free of charge
  • Property valuation through Swedbank – free of charge Swedbank provides property valuation in Riga, around Riga and other parts of Latvia where possible
  • Gold Credit Card – for 6 months with no monthly fee (saving you EUR 36)
  • Home Small Loan – without the agreement fee (saving you at least 100 EUR)

Offers for Swedbank mortgage loan customers

When you take out a mortgage loan with us, you can enjoy discounts and special terms from our partners:

  • Virši electricity – 100% discount on the monthly service fee
  • Design Box – interior design items with a 20% discount
Find out more

Frequently Asked Questions

You will get a reliable long-term partner with easy loan management features via Internet Banking and professional support from financing experts free of charge for the entire duration of the loan agreement. In addition, Swedbank offers various types of insurance in one place, which can be conveniently managed via Internet Banking. In addition, you'll be able to enjoy other financial services faster and on better terms, such as consumer credit, credit cards or leasing, as well as do your daily banking in a modern mobile app. Every situation is individual, so if you decide to refinance, fill out the application. Our financing advisor will provide the most appropriate solution for your situation free of charge, based on financial calculations. The decision will be up to you. The refinancing can take up to one month, as it involves both credit institutions, a notary and the Land Registry. You should consider the costs of notary services and mortgage amendments in the land registry. If the property cannot be valued by Swedbank's valuators, there may be additional costs of a few hundred euros for the property valuation. No, transferring the loan obligations will have no impact on your future creditworthiness.

Video consultation

Book a consultation – we'll discuss your plans for your home and work out how to make them happen.

Book

Get in touch with us

  • If you wish to find out more about your borrowing possibilities, fill out the application for a consultation and we'll get back to you.
  • If you're looking for answers to other questions, please contact us by phone on 67 444 444 and select "Mortgage lending or leasing” as the topic (business days 8:00–18:00).

Looking for a place to call your new home?

Choose a home in one of the new projects developed by our partners and enjoy particularly favourable terms:

  • Mortgage loan disbursement free of charge
  • Real estate valuation free of charge (in and around Riga)

For a consultation, fill out an application on the Internet Banking site. After filling out the application, the consultation will be available within 1 day.

Offer valid until 31.12.2026.

Class A building

Starta Kvartāls, Starta Street 17, Riga

A new residential neighbourhood in Teika – a project by the developer Hepsor comprising three modern 14-storey blocks, 250 apartments and a green courtyard with amenities.

Class A building

Valterciems, Ēvalda Valtera Street 44, Riga

In Dreiliņi, a green and rapidly growing neighbourhood, 2–4 room apartments are under construction in six-storey buildings. The price of each apartment also includes a lockable storage unit.

Class A building

Šampētera Kvartāls, Stendes Street 8 and 10, Riga

In Šampēteris, a green and peaceful neighbourhood, completed 2–3 room apartments are available in the first building of the development project, while 2–4 room apartments during construction can be reserved in the second building. The price of each apartment also includes a lockable storage unit in the basement.

Class A building

Hartmaņa Kvartāls, Jelgavas Street 51 and 55, Riga

In Torņakalns, a neighbourhood with an industrial past and a distinctly modern urban character, both completed apartments and apartments under construction are available. The price of each apartment also includes a lockable storage unit in the basement.

Class A building

Dzirciema Pagalms, Mazā Stacijas Street 3 and 5, Riga

In Dzirciems, an area with well-developed infrastructure, 2–4 room apartments under construction are available in two six-storey buildings with a green, landscaped courtyard. The price of each apartment also includes a lockable storage unit in the basement.

Class A building

Mūkusalas Pagalmi, Skaistkalnes Street 1A, Riga

Close to the Mūkusala promenade, 2–4 room apartments under construction are available, with a green, car-free inner courtyard. The price of each apartment also includes a lockable storage unit in the basement.

Class A building

Nīcgales Mājas, Nīcgales Street 17A and 17B, Riga

In the heart of Purvciems, completed premium-comfort 2–4 room apartments are available in two six-storey buildings with 74 apartments in total. The price of each apartment also includes a lockable storage unit.

Class A building

Skolas 17, Skolas street 17, Riga

One of the rare new housing projects in Riga's historic centre.

Class A building

Promenādes Mājas, Latgales street 324D, Riga

A new residential development project in Ķengarags that combines peaceful living surrounded by nature with convenient urban infrastructure.

Class A building

New Hanza apartments, Gustava Kluča street 10, Riga

New housing in Riga. The first apartment building project in the New Hanza neighbourhood developed by Pillar.

Class A building

Weiden Oase, Vītolu street, Liepaja

A modern apartment building project in the centre of Liepaja with a well-thought-out layout and private outdoor space. Apartments with balconies, terraces or verandas, as well as underground parking and fully developed grounds with amenities.

Class A building

Bordo Rezidences, Biešu Street 9, Torņkalns, Riga

A new energy-efficient residential project that will consist of two modern apartment buildings.

 Class A building

"Hartmaņa kvartāls", Jelgavas iela 55B, Rīga

In the new "Bonava Latvija" project "Hartmaņa kvartāls" in Torņakalns, nine buildings with more than 400 apartments will be built.

 Class A building

Pīlādžu mājas, Tumes Street 27 and 27A, Riga

In the quiet, green neighbourhood of Ziepniekkalns, completed 2–3 room apartments are available in four- and six-storey buildings. The price of each apartment includes a lockable storage unit in the basement.

 Class A building

Blūmendāles Mājas, Prūšu Street 1G and 1I, Riga

In Ķengarags, close to the Daugava promenade, 2–4 room apartments are being built in six-storey buildings. The price of each apartment also includes a lockable storage unit in the basement.

 Class A building

Blue Marine° Residence, 1A Trijādības Street, Klīversala Quarter, Riga

Premium class apartment project on the banks of the Daugava Bay and near Old Riga, with underground parking and a yacht pier.

 Class A building

"Krasta kvartāls", Krīdenera dambis 4, Grēdu street 15, Riga

The most suitable home for all lovers of the urban lifestyle, who appreciate the opportunity to spend their free time as well as easily and quickly get to any part of the city.

Class A building

Ķiršu Kalna Mājas, Eiženijas Street 12, Riga

Two harmonious residential buildings with refined architecture and a carefully designed environment.

Class A building

Zaļā Jugla, Braila Street 23, Riga

A home that offers proximity to nature in the city – right next to Jugla Lake.

Class A building

"Trebū Home", Kupriču street, Riga

Trebū HOME is a new and modern residential concept in Rīga developed by combining everything that is necessary for a good and comfortable life.

Class A building

"Lucavsala", Lucavsalas iela 5, Rīga

The developer "Merko mājas" new project "Lucavsala" is located a short walk from the popular Lucavsala recreation park in Riga.

 Class A building

"Mimosa",Akāciju street 82, Riga

A home where memories, dreams and inspiration are formed.

 Class A building

Jāņa Endzelīna iela 2, Valmiera

A new apartment building project in Valmiera offers 53 apartments ranging from compact studio types to spacious four-room and two-level homes.

 Class A building

"Viesturdārzs", Rūpniecības street 27 and 33, Riga

Viesturdārzs is situated in one of the most charming places in Riga - between Klusais Centrs, Andrejosta and Viesturdārzs.

Class A building

Vītolu Parks, Vītolu Street 2 and 4, Riga

A new residential neighbourhood where nature meets comfort.

 Class A building

Miera Rezidences, Miera Street 75, Riga

Situated in one of Riga’s cosiest districts, Miera Rezidences offers the best of both worlds: urban convenience and a green oasis.

 Class A building

Mārupes Sirds, Daugavas Street 40, Mārupe

A new residential area in the very heart of Mārupe.

 Class A building

Vide Ādaži, Rudzupuķu Street, Ādaži

The first 15 houses in the Vide Ādaži village are now ready for in-person viewings.

 Class A building

"Arena Garden Towers", Arēnas iela 1, Rīga

"Merko mājas" returns to Skanste with the new project "Arena Garden Towers", featuring modern apartments in four towers, each 13 stories high.

 Class A building

"Magnolijas", Skrīnes street 6 and 8, Riga

Magnolijas will be the first residential project of the construction company Merko mājas in Pārdaugava – Skrīnes street 6, in the Šampēteris neighbourhood!

 Class A building

"Mežpilsēta", Hipokrāta street 18, Mežciems

The Mežpilsēta residential project is located in one of the greenest neighbourhoods in Riga – Mežciems, which makes it a preferred living environment for young families.

Class A building

Grafīts, Liepājas street 37c, Bieriņi

In one of Riga's greenest and quietest mansion neighborhoods, not far from Āgenskalns – Bierini – a new project called "Graphite" is being developed.

 Class A building

"Mārpagalmi", Zemaišu street 11, Riga

In Āgenskalns, on Zemaišu Street, between Māra pond square and St. Albert's Church, a new residential quarter - Mārpagalmi - is in development, sheltered from the bustle of Mārupes Street.

 Class A building

"Kaivas kvartāls", Kaivas street, Riga

A new residential block on Kaivas street will complement the expanses of Dreiliņi with five mutually compatible apartment buildings.

 Class A building

"SILVAS NAMI", Dzelzavas street 104, Riga

SILVAS NAMI complex on the street. Dzelzavas 110 consists of four identical seven-storey buildings, each of which has 67 standard-class apartments and storage rooms for storing personal belongings.

Class A building

Vienības street 2, Riga

New, modern and comfortable residence in a place where the new future center of Riga is – in Tornakalns!

 Class A building

Sabiles iela13, Rīga

In the "Kļavu rezidences" project, there are 24 modern apartments with thoughtfully designed layouts, ranging from 44 to 81 square meters.

 Class A building

"Muuna", Gaujas iela 5, Mārupe

An inspiring place to feel like you are in a private house with 1-4 room apartments for every taste.

"Ezera SOLO", Ezermalas street 4, Riga

Ezera SOLO is a residential project in the Mežaparks neighbourhood, consisting of 105 one- and two-bedroom apartments.

 Class A building

"Saliena Park Apartments", Līvu street, Saliena (Piņķi)

The Park Apartments are located in Saliena and will be the right choice if you’re looking for a residence in peaceful and safe environment.

Class A building

"Ābeļziedu Terases", Laimdotas Street 38, Rīga

«Ābeļziedu terases» - home for a beautiful everyday life.

 Class A building

MOHO GARDEN, Mežezera Street 6 and 8, Riga

Two nine- storey buildings with 128 modern, high-quality apartments in Mežaparks.

 Class A building

Poēzija, Ojāra Vācieša Street 8, Riga

Two modern three- storey buildings with 49 apartments – in the heart of Torņkalns, next to Māra Pond and Arkādija Park.

"Hoffmann Rezidence", Kuģu street 13, Riga

Affordable premium apartments, overlooking River Daugava!

Class A building

Dižozoli, Gaujas iela 118, Mārupe

DIZOZOLI - A new project in Marupe that speaks for itself!

 Class A building

Deglava Gleznotāju rezidence, Dravnieku street 3, Riga

Deglava Painters Rezidence is the new green spot of this charming city.

 Class A building

"Skanstes Rezidences", Grostonas iela 9, Rīga

The buildings are thoughtfully designed to make maximum use of space and light. Each apartment is a perfect combination of style, functionality and innovation.

 Class A building

Parka Kvartāls, Bauskas Street 97, Riga

The Park Kvartals project will have four multi-flat residential buildings.

 Class A building

Ozolzīles, Mazā Zemturu iela 14, Mārupe

Third apartment building OZOLZĪLES will not just welcome you to a new apartment, but to your new home.

 Class A building

Ozolzīles, Mazā Zemturu iela 10, Mārupe

OZOLZĪLES will not just welcome you to a new apartment, but to your new home – safe and fenced territory, a friendly environment and the opportunity to get to know each neighbour, convenient infrastructure and private parking, as well as storage space for each apartment.

 Class A building

Lakstīgalu iela, Lakstīgalu iela 14, Baloži

Embark on the journey of family life nearby Riga!

 Class A building

Apiņi, Mežmalas iela 10, Krustkalni, Ķekavas novads

On the outskirts of Riga in Krustkalni, Mežmalas street 10, in the 28-apartment building of the 1st phase of the project Apiņi, there are three- and four-room apartments with finished high-quality decoration and installed kitchen equipment

 Class A building

"Mežaparka Rezidences", Ķelnes street 1, Riga

Land for construction, private houses, semi-detached houses and apartments in top-of-the-line, green and developed environment only 15 min away from the city centre.

"LOFTS& ROSEGOLD", Strelnieku street 8, Riga

The LOFTS&ROSEGOLD project is located at Strelnieku 8 in the respectable and prestige area of Riga.

Class A building

Dainas, Dainas iela 10A

114 completely new, 1 to 4 room apartments are available in the residential building in the historical center at 10a Dainas street. Apartment bookings are open!

 Class A building

Lindenholma, Malduguņu iela 10

Lindenholma is a new part of the city of Riga on the border between Riga and Mārupe that offers high-class residential space.

"Philosophers Residence", Raņķa dambis 34, Riga

The philosopher residence is laid out on a large 4200 square meter territory.

Ūbeļu Nami

Ūbeļu Nami is a new apartment house project in Ādaži, Ūbeļu Street near river Gauja in the vicinity of river bend Vējupe.

"TennisClub12 ", Burtnieku iela 14, Jurmala

A new 12 apartment project in the heart of the private sector of Jurmala.

Class A building

"R10 Apartments", Rembates street 10, Riga

Rembates 10 - a newly constructed building in a corner of Pļavnieki district.

Class A building

"BAUSKAS Home", Bauskas street 57, Riga

Our new project "Bauskas home" would suit people, who wants to live in energy-efficient home within arm's reach from cities center.

 Class A building

Paleju street 52, Marupe

“Palejas” is proud of Class A energy efficiency, which combined with individual heat pumps heating equipment and in combination with heated floors in each apartment will allow you to enjoy low and controllable heating costs.

 Class A building

360° Dzelzavas Residences, Dzelzavas Street 74c, Purvciems

A modern A+ energy efficiency class project with spacious apartments and a roof terrace offering panoramic views of Riga.

 Class A building

Tērbatas Garden, Tērbatas Street 78a, Riga

A business class project – two-floor homes with a private roof terrace, balcony and courtyard garden.

CITY24.LV

The biggest selection of new projects

Starta Kvartāls, Starta Street 17, Riga

A new Starta Kvartāls neighbourhood is being built in Teika, comprising three 14-storey blocks and 250 apartments. The first building will have 84 apartments with full interior finishes, large windows, adjustable underfloor heating and individual ventilation with heat recovery. The first building is due for completion in the third quarter of 2028.
The project will feature A+ energy efficiency, 177 parking spaces, 146 storage units, as well as a space for bicycles and pushchairs. The green courtyard will have a children’s playground, outdoor exercise equipment and a relaxation area under a pergola. Developed by Hepsor.

Zane Dimanta
Phone:  +371 22001294
E-mail:  zane.dimanta@hepsor.lv

  • 100% discount on the loan disbursement fee.
  • Free-of-charge valuation.

Complies with energy efficiency standards of Class A.

In collaboration with:
Starta Kvartāls, Starta Street 17, Riga
  • Discounts–100%
  • Find out more hepsor.lv
Find out possibilities Fill in application

Valterciems, Ēvalda Valtera Street 44, Riga

A large, energy-efficient residential neighbourhood is under construction in Dreiliņi, between Ēvalda Valtera Street and Kaivas Street, offering two housing concepts – Valterciems and Valterciems Comfort. The development offers 2–4 room apartments with well-designed layouts, balconies or terraces, and a lockable storage unit included in the price. The neighbourhood’s territory will feature a large central recreation spot, areas with facilities for relaxation, sport and play, as well as environmental installations that will enhance the overall landscape of the neighbourhood.

Lauma Meimere
Phone:  +371 27080014
E-mail:  lauma.meimere@bonava.com

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Valterciems, Ēvalda Valtera Street 44, Riga
  • Discounts–100%
  • Find out more bonava.lv
Find out possibilities Fill in application

Šampētera Kvartāls, Stendes Street 8 and 10, Riga

In Šampēteris, a green and peaceful neighbourhood, completed 2–3 room apartments are available in the first building of the development project, while 2–4 room apartments during construction can be reserved in the second building. The price of each apartment also includes a lockable storage unit in the basement.

Elīna Lube
Phone:  +371 22333980
E-mail:  elina.lube@bonava.com

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Šampētera Kvartāls, Stendes Street 8 and 10, Riga
  • Discounts–100%
  • Find out more bonava.lv
Find out possibilities Fill in application

Hartmaņa Kvartāls, Jelgavas Street 51 and 55, Riga

A modern residential neighbourhood is being built in Torņakalns, where a total of eight buildings different levels of comfort are planned. The projects offers both completed apartments and apartments under construction.
The neighbourhood's territory will have an environment with facilities featuring leisure and play areas. A special highlight of the project will be a roof garden with relaxation spots and installations that will complement the character of the neighbourhood and create a shared social space.

Lauma Meimere
Phone:  +371 27080014
E-mail:  lauma.meimere@bonava.com

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Hartmaņa Kvartāls, Jelgavas Street 51 and 55, Riga
  • Discounts–100%
  • Find out more bonava.lv
Find out possibilities Fill in application

Dzirciema Pagalms, Mazā Stacijas Street 3 and 5, Riga

A modern residential development project is being built in Dzirciems, on a quiet side street close to the centre of the neighbourhood, with two six-storey buildings and 114 apartments. The first building will have 72 apartments and the second – 42 apartments. 2–4 room flats under construction are on offer, with the first building due for completion at the end of 2027. The project will have bicycle parking, green landscaping and car parking spaces, some of which will be equipped with charging points for electric cars.

Mareks Gražuls
Phone:  +371 27884222
E-mail:  mareks.grazuls@bonava.com

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Dzirciema Pagalms, Mazā Stacijas Street 3 and 5, Riga
  • Discounts–100%
  • Find out more bonava.lv
Find out possibilities Fill in application

Mūkusalas Pagalmi, Skaistkalnes Street 1A, Riga

A large residential neighbourhood is being built in the part of Ziepniekkalns closest to the city centre, comprising a total of eight buildings with 558 energy-efficient apartments. 2–4 room flats under construction are available in the first six-storey building, with completion scheduled for the end of 2027.
The main feature of the neighbourhood will be its green, car-free inner courtyards with amenities designed for relaxation and leisure activities. The grounds will have covered bicycle parking and parking spaces equipping for electric vehicle charging, with solar panels installed on the roofs of the buildings.

Lauma Meimere
Phone:  +371 27080014
E-mail:  lauma.meimere@bonava.com

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Mūkusalas Pagalmi, Skaistkalnes Street 1A, Riga
  • Discounts–100%
  • Find out more bonava.lv
Find out possibilities Fill in application

Nīcgales Mājas, Nīcgales Street 17A and 17B, Riga

A premium-comfort development project Nīcgales Mājas has emerged in Purvciems, with two six-storey buildings and a total of 74 two- to four-room apartments. Completed apartments are currently available for purchase, combining well-planned layouts with Scandinavian aesthetics and modern technical solutions.
Comfort in the apartments is provided by underfloor heating and an individual ventilation system with heat recovery, while the large windows create a bright and comfortable living space. The price of each apartment includes an individual lockable storage unit, and private garages and surface parking spaces are also available for purchase.

Elīna Lube
Phone:  +371 22333980
E-mail:  elina.lube@bonava.com

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Nīcgales Mājas, Nīcgales Street 17A and 17B, Riga
  • Discounts–100%
  • Find out more bonava.lv
Find out possibilities Fill in application

Skolas 17, Skolas street 17, Riga

Skolas 17 – modern comfort in the historic centre of Riga.
New residential projects in Riga’s historic centre are a rarity. This also makes the project at Skolas street 17 particularly attractive, as it is one of the last opportunities to purchase a home in a new building in Riga’s historic centre.
A total of 39 apartments are available in the project, ranging from compact studio apartments to luxurious penthouse apartments with city views. The apartments are offered with a grey finish, giving each owner the opportunity to tailor the interior to their own lifestyle.

Laura Semjonova
Phone:  +371 28626292
E-mail:  laura@riverproperties.lv

  • 100% discount on the loan disbursement fee.
  • Free-of-charge valuation.

Complies with energy efficiency standards of Class A.

In collaboration with:
Skolas 17, Skolas street 17, Riga
  • Discounts–100%
  • Find out more www.riverproperties.lv
Find out possibilities Fill in application

Promenādes Mājas, Latgales street 324D, Riga

Promenādes Mājas is a new residential development project in Ķengarags that combines peaceful living surrounded by nature with convenient urban infrastructure. The project consists of two seven-storey residential buildings with a total of 160 apartments, offering modern and functional homes for a variety of lifestyles – from young families to professionals who value quality, comfort, and green surroundings.

Markuss Ozoliņš
Phone:  +371 22000282
E-mail:  majas@monum.lv

  • 100% discount on the loan disbursement fee.
  • Free-of-charge valuation.
  • To receive the special terms of the mortgage loan, enter the discount code when filling out the application form.

Complies with energy efficiency standards of Class A.

In collaboration with:
Promenādes Mājas, Latgales street 324D, Riga
  • Discounts–100%
  • Find out more www.promenadesmajas.lv
Find out possibilities Fill in application

New Hanza apartments, Gustava Kluča street 10, Riga

A business-class apartment building project in the New Hanza area developed by Pillar. The project consists of four buildings with 1–5 room apartments with full interior decoration, top-quality technical solutions, a well-thought-out and aesthetic environment, a spacious courtyard with amenities, a covered parking lot and a roof garden. The New Hanza apartments form an excellent project that will not only provide a high-quality living space with smart home functionality, but will also reduce maintenance costs.

Elīna Ozola
Phone:  +371 29224774
E-mail:  elina.ozola@pillar.lv

  • 100% discount on the loan disbursement fee.
  • Free-of-charge valuation.

Complies with energy efficiency standards of Class A.

In collaboration with:
New Hanza apartments, Gustava Kluča street 10, Riga
  • Discounts–100%
  • Find out more www.newhanza.lv
Find out possibilities Fill in application

Weiden Oase, Vītolu street, Liepaja

A new residential project, Weiden Oase, is under development in the centre of Liepaja. The project will feature 2–5 room apartments, including some with mezzanine floors. Individual apartments are with balconies, terraces, or verandas. The project will have a green area with amenities and underground parking, making it a comfortable and high-quality living space.

Gints Brumbergs
Phone:  +371 27889917
E-mail:  weidenoase@gmail.com

  • 100% discount on the loan disbursement fee.
  • Free-of-charge valuation.

Complies with energy efficiency standards of Class A.

In collaboration with:
Weiden Oase, Vītolu street, Liepaja
  • Discounts–100%
  • Find out more www.weidenoase.lv
Find out possibilities Fill in application

Bordo Rezidences, Biešu Street 9, Torņkalns, Riga

A place where elegance meets quality. The complex will consist of two modern apartment buildings with 75 apartments and is scheduled to be commissioned in early 2027.

Advantages of the project:

  • High-quality finishing materials and functional layout.
  • Apartments with private green areas on the ground floors.
  • Spacious terraces on the top floors.
  • Fully developed grounds with amenities and a sense of privacy.

Kristīne Vizule
Phone:  +371 29506771
E-mail:  kristine@vestabalt.lv

  • 100% discount on the loan disbursement fee.
  • Free-of-charge valuation.
  • To receive the special terms of the mortgage loan, enter the discount code when filling out the application form.

Complies with energy efficiency standards of Class A.

In collaboration with:
Bordo Rezidences, Biešu Street 9, Torņkalns, Riga
  • Discounts–100%
  • Find out more www.bordorezidences.lv
Find out possibilities Fill in application

"Hartmaņa kvartāls", Jelgavas iela 55B, Rīga

In the new "Bonava Latvija" project "Hartmaņa kvartāls" in Torņakalns, nine buildings with more than 400 apartments will be built. The construction of the first houses is planned to start in 2024. The project will be complemented by landscaped green areas, playgrounds, bicycle workshops, a basketball court, and solar panels.

Kristīna Slišāne
Phone:  +371 25587264
E-mail:  Kristina.slisane@bonava.com

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
"Hartmaņa kvartāls", Jelgavas iela 55B, Rīga
  • Discounts–100%
  • Find out more www.bonava.lv/dzivokli/riga/tornakalns/hartmana-kvartals
Find out possibilities Fill in application

Pīlādžu mājas, Tumes Street 27 and 27A, Riga

Ready-to-move-in apartments are available in Ziepniekkalns, in buildings 2 and 3 of the Pīlādžu Mājas development project. The project consists of three energy-efficient buildings with 190 two-, three- and four-room apartments. Here, closeness to nature is combined with the conveniences of the city, while the grounds offer space to relax and play for young and old alike, as well as urban gardening boxes where you can grow your own herbs and vegetables.
The price of each apartment includes a lockable storage unit in the basement. For added everyday convenience, a coworking space has also been created in the four-storey building.

Mareks Gražuls
Phone:  +371 27884222
E-mail:  mareks.grazuls@bonava.com

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Pīlādžu mājas, Tumes Street 27 and 27A, Riga
  • Discounts–100%
  • Find out more www.bonava.lv
Find out possibilities Fill in application

Blūmendāles Mājas, Prūšu Street 1G and 1I, Riga

An energy-efficient development project is being built in Ķengarags, with a total of 256 two-, three- and four-room apartments across four buildings. The area boasts well-developed infrastructure, closeness to nature and a wide range of leisure activities. The apartments are currently available in buildings 3 and 4 of the project – the third building is due for completion at the end of 2026 and the fourth in autumn 2027.
Each apartment comes with its own balcony, and the price includes a lockable storage unit in the basement. Both buildings will have an elevator down to the basement, and the project will also include a shared workshop for bicycle maintenance. The closed grounds with amenities will have green areas to relax in, children's playgrounds and outdoor exercise stations for an active everyday life.

Mareks Gražuls
Phone:  +371 27884222
E-mail:  mareks.grazuls@bonava.com

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Blūmendāles Mājas, Prūšu Street 1G and 1I, Riga
  • Discounts–100%
  • Find out more www.bonava.lv
Find out possibilities Fill in application

Blue Marine° Residence, 1A Trijādības Street, Klīversala Quarter, Riga

Blue Marine° Residence is the next premium-segment residential building in the Klīversala neighbourhood, right on the bank of the Daugava River. The seven-story, A-class energy-efficient building will have 92 apartments with high-quality finishes, private balconies or terraces, and breath-taking panoramic views. The building will feature a closed underground parking lot, a private motor yacht dock, and a green space with amenities. Construction has already begun, and completion is scheduled for the summer of 2027.

Una Pilmane
Phone:  +371 22084598
E-mail:  una@prokapital.lv

  • 100% discount on the loan disbursement fee.
  • Free-of-charge valuation.
  • To receive the special terms of the mortgage loan, use the discount code when filling out the application form.

Complies with energy efficiency standards of Class A.

In collaboration with:
Blue Marine° Residence, 1A Trijādības Street, Klīversala Quarter, Riga
  • Discounts–100%
  • Find out more www.bluemarine.lv
Find out possibilities Fill in application

"Krasta kvartāls", Krīdenera dambis 4, Grēdu street 15, Riga

The most suitable home for all lovers of the urban lifestyle, who appreciate the opportunity to spend their free time as well as easily and quickly get to any part of the city. The Krasta Kvartals is realized in stages, offering buyers to choose the most suitable housing in terms of area, layout, level of decoration and price. It is planned to build six nine-story buildings with 500 apartments in the fenced area. The apartments on the upper floors offer a great view of the Daugava and the city at any time of the year.

Mareks Gražuls
Phone:  +371 27884222
E-mail:  mareks.grazuls@bonava.com

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
"Krasta kvartāls", Krīdenera dambis 4, Grēdu street 15, Riga
  • Discounts–100%
  • Find out more www.bonava.lv
Find out possibilities Fill in application

Ķiršu Kalna Mājas, Eiženijas Street 12, Riga

A new project with two three-storey buildings, each offering 27 apartments with sizes ranging from 37 to 79 m2. For added comfort, the project includes underground parking, courtyard parking spaces, and storage rooms. The project brings together urban convenience and closeness to nature – an ideal home for those who value peace and quality.

Zane Dimanta
Phone:  +371 22001294
E-mail:  zane.dimanta@hepsor.lv

  • 100% discount on the loan disbursement fee.
  • Free-of-charge valuation.
  • To receive the special terms of the mortgage loan, use the discount code when filling out the application form.

Complies with energy efficiency standards of Class A.

In collaboration with:
Ķiršu Kalna Mājas, Eiženijas Street 12, Riga
  • Discounts–100%
  • Find out more www.hepsor.lv/kirsukalnamajas
Find out possibilities Fill in application

Zaļā Jugla, Braila Street 23, Riga

A new project with three buildings, each offering 35 apartments with 2-4 rooms. A beautiful area with facilities, a shared recreation area and a view of Jugla Lake. A place whose value will grow year-on-year.

Zane Kaupere
Phone:  +371 26603222
E-mail:  zane@hepsor.lv

  • 100% discount on the loan disbursement fee.
  • Free-of-charge valuation.
  • To receive the special terms of the mortgage loan, use the discount code when filling out the application form.

Complies with energy efficiency standards of Class A.

In collaboration with:
Zaļā Jugla, Braila Street 23, Riga
  • Discounts–100%
  • Find out more https://hepsor.lv/zalajugla/
Find out possibilities Fill in application

"Trebū Home", Kupriču street, Riga

Trebū HOME is a new and modern residential concept in Rīga developed by combining everything that is necessary for a good and comfortable life so that you can truly enjoy your home. We have used modern technological solutions to provide classical home values to our residents, including comfort, energy efficiency, and safe environment.

Marina Šablovska
Phone:  +371 67846525, +371 28660037
E-mail:  Marina.Sablovska@trebuhome.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
"Trebū Home", Kupriču street, Riga
  • Discounts–100%
  • Find out more www.trebuhome.lv
Find out possibilities Fill in application

"Lucavsala", Lucavsalas iela 5, Rīga

The developer "Merko mājas" new project "Lucavsala" is located a short walk from the popular Lucavsala recreation park in Riga. The project will offer 1-4 room apartments with high-quality interior finishes. Special emphasis in this project is placed on a variety of amenities to suit residents of all ages.

Inese Berga
Phone:  +371 29 257 388
E-mail:  Inese.Berga@merkomajas.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
"Lucavsala", Lucavsalas iela 5, Rīga
  • Discounts–100%
  • Find out more lucavsala.merkomajas.lv
Find out possibilities Fill in application

"Mimosa",Akāciju street 82, Riga

A home where memories, dreams and inspiration are formed. Mimosa" – these are 70 modern apartments in Riga, Imanta - 70 new life stories, new trips to build your own home, a new exciting page in the book of life! Apartments are located in a modern apartment building with 9 floors with a convenient elevator up to the basement. At the building car parking and in thoughts of the younger generation, a safe children's playground. "Mimosa" will be a thriving and harmonious environment in which young and active people, families with children and elderly residents will feel equally good.

Andris Dzirnieks
Phone:  +371 2 733 0063
E-mail:  andris.dzirnieks@kbo.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
"Mimosa",Akāciju street 82, Riga
  • Discounts–100%
  • Find out more mimosa.lv
Find out possibilities Fill in application

Jāņa Endzelīna iela 2, Valmiera

A new apartment building project in Valmiera offers 53 apartments ranging from compact studio types to spacious four-room and two-level homes. The building combines modern architecture, high-quality materials, and thoughtful layouts to create an environment characterized by peace, safety, and aesthetic balance.

Madara Apsīte
Phone:  +371 29299710
E-mail:  madara.apsite@aimasa.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Jāņa Endzelīna iela 2, Valmiera
  • Discounts–100%
  • Find out more www.aimasa.lv
Find out possibilities Fill in application

"Viesturdārzs", Rūpniecības street 27 and 33, Riga

The developer "Merko mājas" project "Viesturdārzs" is the largest residential building complex in the Quiet Center. It balances a well-maintained environment, proximity to the city center, the historical charm of the surroundings, and modern comfort. At the heart of this project's philosophy are the people who will live here. The "Viesturdārzs" residential complex has been implemented in three phases, constructing a total of 350 apartments of various sizes, all characterized by high quality and modern layouts. The apartments are ready for living and come with high-quality interior finishes.

Inese Berga
Phone:  +371 29257388
E-mail:  Inese.Berga@merkomajas.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
"Viesturdārzs", Rūpniecības street 27 and 33, Riga
  • Discounts–100%
  • Find out more viesturdarzs.merkomajas.lv
Find out possibilities Fill in application

Vītolu Parks, Vītolu Street 2 and 4, Riga

Vītolu Parks is a new, dynamic neighbourhood aimed at an active lifestyle. Ample areas for walking, cycling or rollerblading allow you to enjoy the fresh air every day. With shops and the city just a short distance away, everything you need is within easy reach. Discover Vītolu Parks – a place where comfort meets the tranquillity of nature.

Henrijs Skujiņš
Phone:  +371 28868652
E-mail:  henrijs@invego.lv

  • 100% discount on the loan disbursement fee.
  • Free-of-charge valuation.
  • To receive the special terms of the mortgage loan, enter the discount code when filling out the application form.

Complies with energy efficiency standards of Class A.

In collaboration with:
Vītolu Parks, Vītolu Street 2 and 4, Riga
  • Discounts–100%
  • Find out more www.vitolu.lv
Find out possibilities Fill in application

Miera Rezidences, Miera Street 75, Riga

Miera Rezidences is situated in one of Riga’s cosiest districts, combining city life with the natural surroundings.

  • Creative neighbourhood – cafes, cultural spaces, and an inspiring atmosphere.
  • Surrounded by lush greenery – park views and a private courtyard with gardens.
  • Filled with light – large windows and high ceilings for sunlit rooms.
  • Suitable for different walks of life – families, couples, professionals, and investors.

Henrijs Skujiņš
Phone:  +371 28868652
E-mail:  henrijs@invego.lv

  • 100% discount on the loan disbursement fee.
  • Free-of-charge valuation.
  • To receive the special terms of the mortgage loan, enter the discount code when filling out the application form.

Complies with energy efficiency standards of Class A.

In collaboration with:
Miera Rezidences, Miera Street 75, Riga
  • Discounts–100%
  • Find out more www.miera.lv
Find out possibilities Fill in application

Mārupes Sirds, Daugavas Street 40, Mārupe

A modern housing complex – a family-friendly living environment in the heart of Mārupe.

  • Apartments and terraced houses with balconies, patios, and private gardens.
  • Energy efficiency class A homes.
  • A green and well-maintained environment – the perfect balance between modern living and the beauty of nature.
  • Away from the city bustle, yet never too far.

Larisa Matēviča
Phone:  +371 29135448
E-mail:  larisa@invego.lv

  • 100% discount on the loan disbursement fee.
  • Free-of-charge valuation.
  • To receive the special terms of the mortgage loan, enter the discount code when filling out the application form.

Complies with energy efficiency standards of Class A.

In collaboration with:
Mārupes Sirds, Daugavas Street 40, Mārupe
  • Discounts–100%
  • Find out more www.invego.lv/marupessirds
Find out possibilities Fill in application

Vide Ādaži, Rudzupuķu Street, Ādaži

The Vide Ādaži village is designed as a whole, inspired by the surrounding nature. The new residential housing project is surrounded by lush greenery and a peaceful landscape - a place that offers the perfect balance between a modern lifestyle and the beauty of nature. The idea behind the project is a healthy living environment.

Valters Mančass
Phone:  +371 2929 4936
E-mail:  valters@invego.lv

  • 100% discount on the loan disbursement fee.
  • Free-of-charge valuation.
  • To receive the special terms of the mortgage loan, enter the discount code when filling out the application form.

Complies with energy efficiency standards of Class A.

In collaboration with:
Vide Ādaži, Rudzupuķu Street, Ādaži
  • Discounts–100%
  • Find out more www.invego.lv/videadazi
Find out possibilities Fill in application

"Arena Garden Towers", Arēnas iela 1, Rīga

"Merko mājas" returns to Skanste with the new project "Arena Garden Towers", featuring modern apartments in four towers, each 13 stories high. The apartments have contemporary and functional layouts in A+ energy efficiency buildings. Each apartment comes with full interior finishes, infrastructure for air cooling system connections, and a balcony or terrace.

Inese Berga
Phone:  +371 29 257 388
E-mail:  Inese.Berga@merkomajas.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
"Arena Garden Towers", Arēnas iela 1, Rīga
  • Discounts–100%
  • Find out more skanste.merkomajas.lv
Find out possibilities Fill in application

"Magnolijas", Skrīnes street 6 and 8, Riga

The developer "Merko mājas" new project "Magnolijas" is located in Pārdaugava, in the Šampēteris neighborhood. It offers 3-4 room apartments with high-quality interior finishes. To ensure lower monthly utility bills for residents, solar panels and hot water collectors are installed on the roofs of the buildings. Around the buildings, there is a cozy and well-maintained area with relaxation zones and a modern children's playground. The small three-story buildings fit perfectly into the low-rise surroundings with neat private houses and well-kept gardens.

Inese Berga
Phone:  +371 29 257 388
E-mail:  Inese.Berga@merkomajas.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
"Magnolijas", Skrīnes street 6 and 8, Riga
  • Discounts–100%
  • Find out more magnolijas.merkomajas.lv
Find out possibilities Fill in application

"Mežpilsēta", Hipokrāta street 18, Mežciems

The developer "Merko mājas" project "Mežpilsēta" is a new residential building complex located in one of the greenest neighborhoods of Riga – Mežciems. The new apartments are situated in a great location between the Dreiliņupīte stream and the forest, where you can enjoy leisurely walks in the pine forest. The project offers 2-3 room apartments with high-quality interior finishes.

Inese Berga
Phone:  +371 29257388
E-mail:  Inese.Berga@merkomajas.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
"Mežpilsēta", Hipokrāta street 18, Mežciems
  • Discounts–100%
  • Find out more mezpilseta.merkomajas.lv
Find out possibilities Fill in application

Grafīts, Liepājas street 37c, Bieriņi

In one of Riga's greenest and quietest mansion neighborhoods, not far from Āgenskalns – Bierini – a new project called "Graphite" is being developed. In the four-story "Graphite" there are 72 two-, three- and four-room apartments. Well-thought-out and ergonomic layouts, high-class finishing materials, energy-efficient solutions, comfortable parking lots, landscaped courtyard.

Pārdošanas birojs
Phone:  +371 25608080
E-mail:  yitmajas@yit.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Grafīts, Liepājas street 37c, Bieriņi
  • Discounts–100%
  • Find out more yit.lv
Find out possibilities Fill in application

"Mārpagalmi", Zemaišu street 11, Riga

In Āgenskalns, on Zemaišu Street, between Māra pond square and St. Albert's Church, a new residential quarter - Mārpagalmi - is in development, sheltered from the bustle of Mārupes Street. In this project we offer 1-4 room apartments in standard and comfort class.

Pārdošanas birojs
Phone:  +371 25608080
E-mail:  yitmajas@yit.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
"Mārpagalmi", Zemaišu street 11, Riga
  • Discounts–100%
  • Find out more yit.lv
Find out possibilities Fill in application

"Kaivas kvartāls", Kaivas street, Riga

A new residential block on Kaivas street will complement the expanses of Dreiliņi with five mutually compatible apartment buildings. Access to the block will be from Kaivas Street, while the car can be conveniently parked both in the underground parking lot and in the yard. 2, 3 and 4-room comfort class apartments are available for residents of the block

Pārdošanas birojs
Phone:  +371 25608080
E-mail:  yitmajas@yit.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
"Kaivas kvartāls", Kaivas street, Riga
  • Discounts–100%
  • Find out more yit.lv
Find out possibilities Fill in application

"SILVAS NAMI", Dzelzavas street 104, Riga

Project Silva houses are located at Dzelzavas Street 104. The fifth house is being built in the complex, which houses standard-class apartments and warehouses for placing personal belongings. Modern and functional two-, three- and four-room apartments with an area from 41 m2 to 73 m2, full finishing, well-thought-out technical solutions and everything necessary for starting a comfortable life are available for purchase.

Pārdošanas birojs
Phone:  +371 25608080
E-mail:  yitmajas@yit.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
"SILVAS NAMI", Dzelzavas street 104, Riga
  • Discounts–100%
  • Find out more yit.lv/dzivojamas-majas/riga/purvciems/silvasnami
Find out possibilities Fill in application

Vienības street 2, Riga

New, modern and comfortable residence in a place where the new future center of Riga is – in Tornakalns! 1-5 room apartments with diverse layout and large panoramic windows. Terraces, balconies and roof gardens in the area of 5.7 m2 – 60 m2, as well as a safe, closed private courtyard.

Inga Ārgale
Phone:  +371 2 644 4472
E-mail:  inga.argale@estera.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Vienības street 2, Riga
  • Discounts–100%
  • Find out more tekstiliana.lv
Find out possibilities Fill in application

Sabiles iela13, Rīga

In the "Kļavu rezidences" project, there are 24 modern apartments with thoughtfully designed layouts, ranging from 44 to 81 square meters. The residences are surrounded by a spacious and green garden, featuring three magnificent maple trees, which inspired the project's name. The green courtyard will serve as a perfect place to relax after a busy workday or enjoy the leisurely pace of the weekend.

Krists Dilba
Phone:  +37129391615
E-mail:  krists@traiv.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Sabiles iela13, Rīga
  • Discounts–100%
  • Find out more www.traiv.lv/project/klavu-rezidences
Find out possibilities Fill in application

"Muuna", Gaujas iela 5, Mārupe

An inspiring place to feel like you are in a private house with 1-4 room apartments for every taste. "Muuna" is the new quiet center of Mārupe with an impressive green courtyard, authentic building and its own private community.

Kristīne Bišmeistare
Phone:  +371 24228900
E-mail:  kristine.bismeistare@angern.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
"Muuna", Gaujas iela 5, Mārupe
  • Discounts–100%
  • Find out more www.muuna.lv
Find out possibilities Fill in application

"Ezera SOLO", Ezermalas street 4, Riga

Ezera SOLO is a residential project in the Mežaparks neighbourhood, consisting of 105 one- and two-bedroom apartments. The building is located in a quiet, green, enclosed area with paved walkways, a children's playground and a green area for relaxation. Ezera SOLO will be a suitable home for those who appreciate the proximity to nature and the possibility to easily get to any part of Riga in a short time.

Dace Sīle
Phone:  +371 29406360
E-mail:  dace.sile@latviasir.com

  • 50% off the loan disbursement fee.
  • Valuation - free of charge.

In collaboration with:
"Ezera SOLO", Ezermalas street 4, Riga
  • Discounts–50%
  • Find out more www.latviasothebysrealty.com
Find out possibilities Fill in application

"Saliena Park Apartments", Līvu street, Saliena (Piņķi)

The Park Apartments are located in Saliena and will be the right choice if you’re looking for a residence in peaceful and safe environment. The apartments feel spacious and airy thanks to the large windows, terraces and balconies, offering a view of the green parks of Saliena. The housing development boasts excellent infrastructure that provides fast connection with the capital and the nearly Jurmala resort town.

Evita Čentoricka
Phone:  +371 67600888, +371 27877000
E-mail:  sales@saliena.eu

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
"Saliena Park Apartments", Līvu street, Saliena (Piņķi)
  • Discounts–100%
  • Find out more www.saliena.eu
Find out possibilities Fill in application

"Ābeļziedu Terases", Laimdotas Street 38, Rīga

«Ābeļziedu terases» - home for a beautiful everyday life. In the new project "Abelziedu terases", in Teika, Laimdotas Street 38, two four-storey houses will be built, with 72 two- to four-room apartments with terraces or balconies surrounded by beautiful deciduous trees.

Oksana Pedele
Phone:  +371 27744500
E-mail:  oksana.pedele@kaamos.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
"Ābeļziedu Terases", Laimdotas Street 38, Rīga
  • Discounts–100%
  • Find out more abelzieduterases.lv
Find out possibilities Fill in application

MOHO GARDEN, Mežezera Street 6 and 8, Riga

These homes feature not only modern architecture, energy efficiency, and the use of renewable energy, but also a special focus on convenience and comfort. This is ensured by ceilings 2.7–3 meters high, a balcony or terrace in each apartment, large windows, as well as a fenced, beautifully landscaped green courtyard with covered parking spaces and bicycle racks, two playgrounds, and outdoor exercise equipment.

Laura Ozola
Phone:  +371 24113232
E-mail:  laura.ozola@kaamos.lv

Oksana Pedele
Phone:  +371 27744500
E-mail:  oksana.pedele@kaamos.lv

  • 100% discount on the loan disbursement fee.
  • Free-of-charge valuation.
  • To receive the special terms of the mortgage loan, use the discount code when filling out the application form.

Complies with energy efficiency standards of Class A.

In collaboration with:
MOHO GARDEN, Mežezera Street 6 and 8, Riga
  • Discounts–100%
  • Find out more www.poezija.lv
Find out possibilities Fill in application

Poēzija, Ojāra Vācieša Street 8, Riga

Each home has been designed with maximum comfort in mind – high-quality interior finishes, large triple-glazed windows, individually adjustable underfloor heating, heat recovery fresh air ventilation system, and impressive 2.8-meter-high ceilings. The apartments on the second and third floors have balconies for enjoying morning coffee, while those on the first floor have private terraces for peaceful relaxation. The fenced landscaped green courtyard with facilities offers a safe environment where you can enjoy time with family or friends.

The project is scheduled to be completed and put into operation as early as spring 2026.

Laura Ozola
Phone:  +371 24113232
E-mail:  laura.ozola@kaamos.lv

  • 100% discount on the loan disbursement fee.
  • Free-of-charge valuation.
  • To receive the special terms of the mortgage loan, use the discount code when filling out the application form.

Complies with energy efficiency standards of Class A.

In collaboration with:
Poēzija, Ojāra Vācieša Street 8, Riga
  • Discounts–100%
  • Find out more www.poezija.lv
Find out possibilities Fill in application

"Hoffmann Rezidence", Kuģu street 13, Riga

Affordable premium apartments, overlooking River Daugava! Comfortable 1-4 room apartments with views of the Old Town and River Daugava, well-developed infrastructure and only a 5-minute walk from the city center. Advantages: High ceilings, reduced real estate tax, reconstructed building, reinforced covers, wooden windows, elevator, air recuperation.

Rolands Purmalis
Phone:  +371 29123126
E-mail:  rolands@oneroof.lv

  • 25% off the loan disbursement fee.
  • Valuation - free of charge.

In collaboration with:
"Hoffmann Rezidence", Kuģu street 13, Riga
  • Discounts–25%
  • Find out more www.kugu13.lv
Find out possibilities Fill in application

Dižozoli, Gaujas iela 118, Mārupe

DIZOZOLI - A new project in Marupe that speaks for itself! A modern and energy-efficient project with glass facades, the largest landscaped area and overthought apartment plans. Great location and orderly environment for Your new home! AS A GIFT - Parking and Storage!

Anna Plaude
Phone:  +371 26585555
E-mail:  a.plaude@piche.eu

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Dižozoli, Gaujas iela 118, Mārupe
  • Discounts–100%
  • Find out more dizozoli.lv
Find out possibilities Fill in application

Deglava Gleznotāju rezidence, Dravnieku street 3, Riga

Deglava Painters Rezidence is the new green spot of this charming city. We are proud to present our residential project, with large and beautiful green spaces, located in Plavnieki area. Our inspiration is based on colorful vibes from 6 great painters that changed the world’s perspective on art. It is our turn to create a beautiful residential area where you can live happily and raise your children. Our buildings will be made in 3 construction stages. The first 2, buildings, with a total of 152 units, will have a mix of 1, 2, 3, and 4 rooms, parking area, storages and commercial spaces.

Oskars Lubavs
Phone:  +371 24778822
E-mail:  oskars@deglavarezidences.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Deglava Gleznotāju rezidence, Dravnieku street 3, Riga
  • Discounts–100%
  • Find out more www.deglavarezidence.lv
Find out possibilities Fill in application

"Skanstes Rezidences", Grostonas iela 9, Rīga

Modern architecture as an art form. Both buildings are eye-catching with their innovative architectural solutions, while blending perfectly into the surrounding urban landscape. Skanstes Rezidences are designed to inspire.

The buildings are thoughtfully designed in a way that maximises space and light. Each apartment is an excellent combination of style, functionality, and innovation. Class A energy-efficient buildings have heating and cooling systems that use energy piles.

Henrijs Skujiņš
Phone:  +371 2886 8652
E-mail:  henrijs@invego.lv

  • 100% discount on the loan disbursement fee.
  • Free-of-charge valuation.
  • To receive the special terms of the mortgage loan, enter the discount code when filling out the application form.

Complies with energy efficiency standards of Class A.

In collaboration with:
"Skanstes Rezidences", Grostonas iela 9, Rīga
  • Discounts–100%
  • Find out more www.skanstes.lv
Find out possibilities Fill in application

Parka Kvartāls, Bauskas Street 97, Riga

The Park Kvartals project will have four multi-flat residential buildings, each with flour floors. Each flat will have lots of natural light and a private garden or balcony where residents can enjoy the closeness of nature that is provided by trees, a well-planned area, and pleasant views of the surrounding area. This is a symbol of a harmonious way of life.

Rolands Purmalis
Phone:  +371 29123126
E-mail:  rolands@oneroof.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Parka Kvartāls, Bauskas Street 97, Riga
  • Discounts–100%
  • Find out more www.parkakvartals.lv
Find out possibilities Fill in application

Ozolzīles, Mazā Zemturu iela 14, Mārupe

Third apartment building OZOLZĪLES will not just welcome you to a new apartment, but to your new home – small, quiet street, only nine apartments in building, a friendly environment and the opportunity to get to know each neighbour, convenient infrastructure and private parking, as well as storage space and balcony for each apartment. Recuperator in each apartment and heating with a heat pump to achieve a Class A+ energy efficiency level. The third building of OZOLZĪLES will have nine apartments with a total area of 68 to 95 square metres.

Līga Neimane
Phone:  +371 26442474
E-mail:  ozolziles.marupe@gmail.com

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Ozolzīles, Mazā Zemturu iela 14, Mārupe
  • Discounts–100%
  • Find out more www.ozolzilesmarupe.lv
Find out possibilities Fill in application

Ozolzīles, Mazā Zemturu iela 10, Mārupe

OZOLZĪLES will not just welcome you to a new apartment, but to your new home – safe and fenced territory, a friendly environment and the opportunity to get to know each neighbour, convenient infrastructure and private parking, as well as storage space for each apartment. Fresh and high-quality air in each apartment, well-considered technical solutions and use of sustainable materials, with a special focus on sound insulation and saving of the nature resources, thus achieving a Class A energy efficiency level. The first building of OZOLZĪLES will have nine apartments with a total area of 73.2 to 142.8 square metres.

Austra Grīnberga
Phone:  +371 26453307
E-mail:  austra@aver.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Ozolzīles, Mazā Zemturu iela 10, Mārupe
  • Discounts–100%
  • Find out more www.ozolzilesmarupe.lv
Find out possibilities Fill in application

Lakstīgalu iela, Lakstīgalu iela 14, Baloži

Embark on the journey of family life nearby Riga! Are you considering Riga Agglomeration as your new home, while staying proximate to the blend of cultural offerings and social life of the bustling capital, look no further than Baloži, Lakstīgalu Street 14, just 9 kilometers from Riga's centre.

Ilze Zarāne
Phone:  +371 22311461
E-mail:  ilze.zarane@latio.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Lakstīgalu iela, Lakstīgalu iela 14, Baloži
  • Discounts–100%
  • Find out more www.latio.lv
Find out possibilities Fill in application

Apiņi, Mežmalas iela 10, Krustkalni, Ķekavas novads

On the outskirts of Riga in Krustkalni, Mežmalas street 10, in the 28-apartment building of the 1st phase of the project Apiņi, there are three- and four-room apartments with finished high-quality decoration and installed kitchen equipment. Beautiful, modern design, large panoramic windows, balconies and terraces, heating in the building is provided by an economical system of heat pumps and heated floors, underground parking spaces are available.

Anda Eņģele
Phone:  +371 29424924
E-mail:  anda.engele@elkosia.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Apiņi, Mežmalas iela 10, Krustkalni, Ķekavas novads
  • Discounts–100%
  • Find out more www.apini.lv
Find out possibilities Fill in application

"Mežaparka Rezidences", Ķelnes street 1, Riga

Land for construction, private houses, semi-detached houses and apartments in top-of-the-line, green and developed environment only 15 min away from the city centre. The author of the concept for the project’s built environment is Andris Kronbergs (ARHIS). Architecture of the buildings has been designed by well-known architects in Latvia like Reinis Liepiņš and Gatis Didrihsons, as well as the US architect Vladimir Arsene (Westfourth Architecture).

Oksana Dmitrijeva
Phone:  +371 28660033
E-mail:  oksana.dmitrijeva@domuss.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
"Mežaparka Rezidences", Ķelnes street 1, Riga
  • Discounts–100%
  • Find out more www.mezaparks.lv
Find out possibilities Fill in application

"LOFTS& ROSEGOLD", Strelnieku street 8, Riga

The LOFTS&ROSEGOLD project is located at Strelnieku 8 in the respectable and prestige area of Riga. The project comprises of a new 7-storey multi-apartment residential building united with the 4-storey architectural landmark building accomplished in the Neo-Renaissance style through a glass gallery. There are several planning concepts for this building. One is the separation into Loft apartments.

Jānis Mednis
Phone:  +371 67885593
E-mail:  jm@rvlc.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

In collaboration with:
"LOFTS& ROSEGOLD", Strelnieku street 8, Riga
  • Discounts–100%
  • Find out more www.loftandrosegold.lv
Find out possibilities Fill in application

Dainas, Dainas iela 10A

114 completely new, 1 to 4 room apartments are available in the residential building in the historical center at 10a Dainas street. Apartment bookings are open!

Rolands Purmalis
Phone:  +371 29123126
E-mail:  rolands@oneroof.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Dainas, Dainas iela 10A
  • Discounts–100%
  • Find out more www.vilia.investments/dainas
Find out possibilities Fill in application

Lindenholma, Malduguņu iela 10

Lindenholma is a new part of the city of Riga on the border between Riga and Mārupe that offers high-class residential space. A new residential neighbourhood in Riga’s most sought-after district where one can enjoy balance between the convenience of living in a city and green surroundings, motion or peace, as well as great infrastructure.

Anna Vaskāne
Phone:  +371 26338833
E-mail:  anna.vaskane@vastint.eu

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Lindenholma, Malduguņu iela 10
  • Discounts–100%
  • Find out more www.lindenholma.lv
Find out possibilities Fill in application

"Philosophers Residence", Raņķa dambis 34, Riga

The philosopher residence is laid out on a large 4200 square meter territory. The project has 115 apartments, two apartment houses (22 floors and 23 floor), joined by underground parking lot for 121 car. The philosopher residence - it is breath-taking views from French windows, balconies and terraces overlooking Daugava, Old Riga and the green Ķīpsala, as well as being conveniently situated in city centre and at the same time protected from all the bustle and noise.

Jānis Mednis
Phone:  +371 25446355
E-mail:  jm@rvlc.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

In collaboration with:
"Philosophers Residence", Raņķa dambis 34, Riga
  • Discounts–100%
  • Find out more www.phresidence.lv
Find out possibilities Fill in application

Ūbeļu Nami

Ūbeļu Nami is a new apartment house project in Ādaži, Ūbeļu Street near river Gauja in the vicinity of river bend Vējupe. Proximity of Riga, connection with nature and excellently developed infrastructure make Ādaži an attractive home for young people, families with children and those who will choose Ādaži as their home. All apartments in Ūbeļu Nami will be offered for sale with full interior decoration.

Verners Ieviņš
Phone:  +371 29299079
E-mail:  verners.ievins@vestabalt.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

In collaboration with:
Ūbeļu Nami
  • Discounts–100%
  • Find out more https://ubelunami.lv/lv
Find out possibilities Fill in application

"TennisClub12 ", Burtnieku iela 14, Jurmala

A new 12 apartment project in the heart of the private sector of Jurmala. On the border between Rāga Kapa Nature Park and Lielupe Tennis Center.

Alekss Bogatovs
Phone:  +371 20200180
E-mail:  info.tennisclub12@gmail.com

  • 100% off the loan disbursement fee.

"TennisClub12 ", Burtnieku iela 14, Jurmala
  • Discounts–100%
  • Find out more www.tennisclub12.lv
Find out possibilities Fill in application

"R10 Apartments", Rembates street 10, Riga

The complex consists of two 10-storey residential buildings set in a well-developed 1.7 ha plot. The entire area has greened and enclosed by hedges and a fence. The entrance is equipped with a two-section automatic gate and wicket gate. In the yard there is an outfitted children's playground, a sports court, two-level parking lot.

Žanete Balode
Phone:  +371 28672407
E-mail:  zanete@hansalat.lv

  • 100% off the loan disbursement fee
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
"R10 Apartments", Rembates street 10, Riga
  • Discounts–100%
  • Find out more www.rembates.lv
Find out possibilities Fill in application

"BAUSKAS Home", Bauskas street 57, Riga

Our new project "Bauskas home" would suit people, who wants to live in energy-efficient home within arm's reach from cities center. Bauskas home - is a project of an apartment house, which gives an opportunity to live in a quiet and peaceful environment. The building made of high quality materials only, energy index of the building is A+.

Vladislavs Zeļenskis
Phone:  +371 29001551
E-mail:  info@kirsan.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
"BAUSKAS Home", Bauskas street 57, Riga
  • Discounts–100%
  • Find out more www.kirsan.lv
Find out possibilities Fill in application

Paleju street 52, Marupe

“Palejas” is proud of Class A energy efficiency, which combined with individual heat pumps heating equipment and in combination with heated floors in each apartment will allow you to enjoy low and controllable heating costs. Adjustable air recuperation equipment will take care of the air quality. “Palejas” has everything for a comfortable, high-quality and peaceful life!

Jānis Breidaks
Phone:  +371 25666180
E-mail:  janis.breidaks@sbsdb.lv

  • 100% off the loan disbursement fee.
  • Valuation - free of charge.

Complies with energy efficiency standards of Class A.

In collaboration with:
Paleju street 52, Marupe
  • Discounts–100%
  • Find out more www.palejas.lv/
Find out possibilities Fill in application

360° Dzelzavas Residences, Dzelzavas Street 74c, Purvciems

The new project, 360° Dzelzavas Residences, will offer an A+ energy efficiency class building with modern architecture, covered parking, storage rooms, and a shared roof terrace with breathtaking views of the Riga cityscape and sunsets. The building will have 13 floors and 103 apartments. The first floor will house parking spaces and storage rooms, while the second to thirteenth floors will feature 2-4 room apartments ranging from 38 to 125 m² in size. The apartments will come with full interior finishing, plumbing, large windows, and ceiling heights from 2.6 to 2.9 meters. Construction has already begun this summer, and the building is scheduled to be commissioned in late autumn 2026. Currently, there are 88 unsold apartments still available.

Sales representatives
Phone: +371 22001294
E-mail: zane.dimanta@hepsor.lv

  • 100% discount on the loan disbursement fee.
  • Valuation free of charge.
  • To receive the special terms of the mortgage loan, use the discount code when filling out the application form.

Complies with energy efficiency standards of Class A.

In collaboration with:
360° Dzelzavas Residences, Dzelzavas Street 74c, Purvciems
  • Discounts–100%
  • Find out more www.hepsor.lv/dzresidence/
Find out possibilities Fill in application

Tērbatas Garden, Tērbatas Street 78a, Riga

A new residential quarter in the very centre of Riga, between Tērbatas and Krišjāņa Barona streets – in harmony between the dynamics of the city and the peace of nature. Six 7-floor buildings are planned in the quarter, which will surround a courtyard covering more than a hectare with a unique green environment concept. The project will feature 800 modern 1-5 room apartments with panoramic windows, spacious balconies and terraces, A+ energy efficiency class, smart home solutions and high-quality finishing materials. Commercial premises and opportunities for urban gardening will also be created for the convenience of residents. Construction of the first building is underway and the sale has started.

Sales representatives
Phone: +371 26444472
E-mail: terbatas@estera.lv

  • 100% discount on the loan disbursement fee.
  • Valuation free of charge.
  • To receive the special terms of the mortgage loan, use the discount code when filling out the application form.

Complies with energy efficiency standards of Class A.

In collaboration with:
Tērbatas Garden, Tērbatas Street 78a, Riga
  • Discounts–100%
  • Find out more www.terbatas.estera.lv
Find out possibilities Fill in application

CITY24.LV

City24.lv – the place where you’ll find the most comprehensive offer of new projects! Enter City24.lv and check out the biggest collection of new projects all in one place!

In collaboration with:
CITY24.LV
  • Find out more http://www.city24.lv/
Find out possibilities Fill in application

The property being pledged requires an appraisal carried out by certified real estate valuator for bank-lending purposes and intended for submitting to Swedbank.

Real estate can be appraised by real estate valuators approved by Swedbank. All valuations performed by an accepted real estate appraiser above the set limit or by a appraiser not included in the list as well as all forest valuations that contain the value of the forest stand, will be verified by Swedbank.

Swedbank may review any external appraisal received (also ones by the approved valuators) and accordingly revise the market value stated there if it is not based on well-founded assumptions and does not represent the market situation at the time of valuation.

Real estate valuators approved by Swedbank

Company Address Telephone Real estate type / restrictions
Arco Real Estate Blaumaņa iela 5a-1, Riga 67365555 Commercial real estate valuations with market value:
– Up to 300,000 EUR – no limit
– Above 300,000 EUR require opinion by the bank’s valuator
Residential property valuation – no limit
Balanss-V Stabu iela 47-2, Riga 26277709 Residential property valuation
Colliers International Advisor Satekles iela 2B - 512, Riga 67783333 Valuation of all property types
Eiroeksperts K. Valdemāra iela 20-9, Riga 67365999 Residential property valuation
Latio Elizabetes iela 21A, Riga 67032300 Valuation of all property types
Langes pils Dzirnavu iela 31-1, Riga 67505656, 26542233 Residential property valuation
LVKV Rīgas iela 39, Valmiera 64207022 Residential property valuation with market value:
– Up to 100,000 EUR – no limit
– Above 100,000 EUR require opinion by the bank’s valuator
Newsec Valuations LV Vesetas iela 7, Riga 67508400 Valuation of all property types
Nira Fonds Brīvības iela 73-1, Riga 67216678, 27011887 Residential property valuation
Ober Haus Vērtēšanas serviss Ieriķu iela 5, Riga 29557121, 67284544 Residential property valuation
PRIME Experts Kr. Valdemāra iela 33A-14A, Riga 22006653 Residential property valuation
RE eksperts Ernestīnes iela 12, Riga 67544380, 26683829 Valuation of all property types
Tribus Vērtēšana Vesetas iela 7, Riga 29416264 Residential property valuation
VCG Ekspertu grupa Kr. Barona iela 31, Riga 29722989, 67229008 Residential property valuation
Jelgava 29543033 Residential property valuation
Sigulda 29220941 Residential property valuation
Daugavpils 20333462 Residential property valuation
Vestabalt K. Barona iela 11-47, Riga 67323608, 26477700 Residential property valuation
Vindeks Lāčplēša iela 14, Riga 67285403, 29235485 Residential property valuation

If you want your property to be valuated simply, conveniently and fast, let Swedbank valuators take care of that! Swedbank valuations are prepared in abbreviated form and are not suitable for presenting to other credit institutions and cannot be used for the needs of other individuals or legal entities. The fee for Swedbank valuations is charged according to the bank’s price list.

For the possibilities of obtaining real estate valuation from Swedbank, ask your financial consultant at the bank!

Private houses offers

Class A building

Somu māja

For more than 20 years, we have been building energy-efficient, sustainable industrially manufactured timber frame houses from Finland in Latvia.

 Class A building

Līvas grupas mājas

Houses of various sizes throughout the territory of Latvia.

 Class A building

MY Cabin

MYCABIN offers high-quality Scandinavian style all-season modular houses.

 Class A building

Modern House

Modern House is a manufacturer of wooden frame private houses, modules, saunas, and furniture.

 Class A building

Dores Fabrika

Producing and building premium-quality wooden houses for already 20 years.

Somu māja

For more than 20 years, we have been building energy-efficient, sustainable industrially manufactured timber frame houses from Finland in Latvia. Our experience allows us to offer our clients not only standard designs developed by architects, but also the opportunity to adapt projects to all the wishes of the client and the specifics of a specific land plot. We are a full-service construction service company, to which more than 900 Latvian families have entrusted the construction of their home.

Phone:  +371 66103030
E-mail:  somumaja@somumaja.lv

  • 50% off the loan disbursement fee.

Complies with energy efficiency standards of Class A.

In collaboration with:
Somu māja
  • Discounts–50%
  • Find out more www.somumaja.lv
Find out possibilities Fill in application

Līvas grupas mājas

Houses of various sizes throughout the territory of Latvia. Līvas Grupa provides a modern and fully equipped energy-efficient, rationally planned living space that can be installed within two weeks. The benefits of factory-built houses are undeniable.

Phone:  +371 29426766
E-mail:  info@livasgrupa.lv

  • 50% off the loan disbursement fee.

Complies with energy efficiency standards of Class A.

In collaboration with:
Līvas grupas mājas
  • Discounts–50%
  • Find out more www.livasgrupa.lv
Find out possibilities Fill in application

MY Cabin

MYCABIN offers high-quality Scandinavian style all-season modular houses. Houses are made at the MYCABIN plant and can be installed in finished form anywhere, on any plot. Milla 60 houses can be handed over ready in 3 months.

Phone:  +371 26369666
E-mail:  didzis@mycabin.lv

  • 50% off the loan disbursement fee.

Complies with energy efficiency standards of Class A.

In collaboration with:
MY Cabin
  • Discounts–50%
  • Find out more www.mycabin.lv
Find out possibilities Fill in application

Modern House

Modern House is a manufacturer of wooden frame private houses, modules, saunas, and furniture, carrying out projects that combine high quality, aesthetics, comfort, and sustainability. The Modern House team consists of confident people and professionals in their field who choose the best solutions and materials.

Phone:  +371 25666622
E-mail:  info@modern-house.lv

  • 50% off the loan disbursement fee.
  • To receive the special terms of the loan, use the discount code when filling out the application form.

Complies with energy efficiency standards of Class A.

In collaboration with:
Modern House
  • Discounts–50%
  • Find out more www.modern-house.lv
Find out possibilities Fill in application

Dores Fabrika

Dores Fabrika has been producing wooden houses for already more than 20 years. The company constantly refines its products and production technologies, offering modern, efficient and sustainable construction solutions tailored to the needs and budgets of its customers.

Phone:  +371 27772250
E-mail:  sales@dores.lv

  • 50% discount on the loan disbursement fee.
  • To receive the special terms of the loan, use the discount code when filling out the application form.

Complies with energy efficiency standards of Class A.

In collaboration with:
Dores Fabrika
  • Discounts–50%
  • Find out more www.dores.house
Find out possibilities Fill in application

Discounts for mortgage loan customers

Take advantage of special offers from our partners:

  • Virši electricity
  • Design Box interior items
  • Kitchens and wardrobes from RIPO Fabrika

See below to find out more about each of them.

Special deal

Home electricity from Virši

Electricity from Virši – without monthly service fee. Sign up for any Virši electricity package and receive favourable terms and extra discounts on services and goods at Viršu fuel stations.

Find out more Special deal

Design Box

Modern furniture and interior items from brands popular and sought-after in Europe at the Design Box showroom and online shop with a 20% discount.

Find out more 20% discount

Kitchens and wardrobes from RIPO Fabrika

A Latvian company that designs and manufactures custom-made furniture. Order kitchen furniture and wardrobes for your home with a 20% discount.

Find out more

Home electricity from Virši

Electricity from Virši – without monthly service fee.

Sign an electricity contract with Virši, use the code and get a 100% discount on the monthly service fee. 1

See the current offer of electricity packages here.

Terms and conditions apply:

  • When signing the contract on the Virši website, enter the discount code in the contract summary step.
  • When signing the contract over the phone on 80 700 070, state the discount code to the operator during the call.
  • The discount code will be available to you after logging in to our Internet Banking and if you are a Swedbank mortgage loan customer.

1 The discount will be applied for the entire contract period, however no longer than 24 months.

Standard monthly service fee when signing any electricity product contract with the Mighty package – 3.98 EUR, when signing any Fixed or Dynamic electricity contract – 1.98 EUR. Back to content

Virsi logo
  • www.virsi.lv
  • 31.12.2026

Design Box showroom

Special offer – 20% discount.

For beautiful things in daily life! Design Box's wide range of products will fill any room with modern, tasteful and functional elements. Quality at a reasonable price for every home to have design items. More accessible design for beautiful ideas, big and small, and for everyday well-being.

Furniture, sofas, armchairs, chests, tables and chairs, lighting, outdoor furniture, accessories, dishes and vases, carpets and mirrors.

Terms and conditions apply:

  • To get the special offer, use the discount code in the online shop or, when shopping in the Design Box showroom, state the code to the shop assistant.
Design Box logo
  • www.designbox.shop
  • 31.12.2026

Kitchens and wardrobes from RIPO Fabrika

A company with over 30 years of experience in manufacturing custom-made furniture. A wide range of products, high quality, and knowledgeable, experienced designers who will help you create a setup and visualizations specifically for your space.

Order kitchen furniture and wardrobes from RIPO Fabrika with a 20% discount using the discount code.

Terms and conditions apply:

  • To get the discount, enter the discount code when placing your order in the relevant field under Consultation with a designer | RIPO fabrika or state it at the RIPO showroom.
  • The discounts cannot be combined with other discounts then in force.
RIPO fabrika
  • www.ripo.eu
  • 01.06.2026 31.12.2026

Frequently asked questions

You can view the schedule on the Internet Banking site under “Loans, Leases” > “My obligations”. Open your mortgage agreement and press “Repayment schedule”.
  1. Request changes on the Internet Banking site under “Loans, Leases” > “My obligations”.
  2. Press “Change” next to the mortgage loan agreement.
  3. Choose a new payment date.
  4. Confirm the change with Smart-ID.
  1. Request changes on the Internet Banking site under “Loans, Leases” > “My obligations”.
  2. Press “Change” next to the mortgage loan agreement.
  3. Select the servicing account from the list.
  4. Confirm the change with Smart-ID.
  1. Request changes under “Loans, Leases” > “My obligations”.
  2. Press “Repay” next to the mortgage loan agreement.
  3. Select “Partial credit repayment”.
  4. Fill in the required information.
  5. Confirm the change with Smart-ID.
  1. Request changes under “Loans, Leases” > “My obligations”.
  2. Press “Repay” next to the mortgage loan agreement.
  3. Select “Early repayment of the agreement”.
  4. Fill in the required information.
  5. Confirm the change with Smart-ID.
  1. Request changes on the Internet Banking site under “Loans, Leases” > “My obligations”.
  2. Press “Change” > “Other changes” next to the mortgage loan agreement.
  3. Select the change type “Loan repayment period change”.
  4. Fill in the required information.
  5. Send the application.
  6. We will contact you within a couple of business days.
  1. Request changes on the Internet Banking site under “Loans, Leases” > “My obligations”.
  2. Press “Change” > “Other changes” next to the mortgage loan agreement.
  3. Select the change type “Other” and describe your situation in the comment.
  4. Fill in the required information.
  5. Send the application.
  6. We will contact you within a couple of business days.
  1. Request changes on the Internet Banking site under “Loans, Leases” > “My obligations”.
  2. Open the expanded view by clicking on the orange arrow next to the mortgage loan agreement.
  3. Select the change type “Issuing letter of confirmation and consent by the bank”.
  4. Fill in the required information.
  5. Send the application.
  6. We will contact you within 3 business days.
  1. Request changes on the Internet Banking site under “Loans, Leases” > “My obligations”.
  2. Press “Change” > “Other changes” next to the mortgage loan agreement.
  3. Select the change type “Other” and describe your situation in the comment.
  4. Fill in the required information.
  5. Send the application.
  6. We will contact you within a couple of business days.
  1. Request changes on the Internet Banking site under “Loans, Leases” > “My obligations”.
  2. Press “Change” > “Other changes” next to the mortgage loan agreement.
  3. Select the change type “Other” and describe your situation in the comment.
  4. Fill in the required information.
  5. Send the application.
  6. We will contact you within a couple of business days.
  1. Fill out the application.
  2. Receive a consultation on your financing possibilities.
  3. After the loan is approved, we notify Altum of the necessary support program.
  4. Altum decides on granting the guarantee.
  5. When Altum approves the guarantee, you must pay Altum's fee.
  6. Sign the mortgage loan agreement with us.
  7. Altum prepares the guarantee agreement and sends it to us.
  8. Altum’s guarantee enters into force.
  1. Fill out the application.
  2. Receive a consultation on your financing possibilities and whether real estate valuation is required.
  3. Receive our offer.
  4. Sign the loan agreement via Internet Banking.
  5. Go to a notary to have the pledge (mortgage) amendments approved and submit the documents to the Land Register.
  6. After the pledge is amended in the Land Register, your mortgage loan will be with us.

The interest rate on a mortgage loan usually consists of a fixed and a variable component.

  • The fixed component is the interest rate added by the bank (margin rate).
  • The variable component consists of short-term interest rates, or Euribor.

Euribor (Euro Interbank Offered Rate) is the interest rate at which the largest European banks are willing to lend money to each other for a specified period.

For current Euribor rates, see here.

Yes, we offer loans for building, renovating, or reconstructing a home.

We finance up to 85% of the future market value of the property with the possibility of obtaining a guarantee from Altum. You must provide the rest of the amount from your own funds when you start building the house.
  1. We evaluate the correspondence of construction costs to the work to be performed.
  2. We finance up to 85% of the future market value.
  3. We agree on the breakdown of loan disbursements together.
  4. We disburse 70% of the loan amount as the first portion of the property’s present value.
  5. We disburse the remaining portions of the loan in parts according to the cost estimates and reports of the work completed.
 We recommend our approved real estate valuers, whose contact details are available here.

Home energy efficiency loan

A loan suitable for energy efficient solutions in your house.

Read more

Home small loan

For property purchase or renovation of your own property.

Read more
Offer!

Home insurance

Will keep you safe from losses which may occur at the home due to various mishaps.

Read more

Loan payment insurance

Insurance that helps you with loan repayments in case of losing your job or capacity for work.

Read more

Real estate valuators approved by Swedbank

The property being pledged requires an appraisal carried out by certified real estate valuator for bank-lending purposes and intended for submitting to Swedbank.

Real estate can be appraised by real estate valuators approved by Swedbank. All valuations performed by an accepted real estate appraiser above the set limit or by a appraiser not included in the list as well as all forest valuations that contain the value of the forest stand, will be verified by Swedbank.

Swedbank may review any external appraisal received (also ones by the approved valuators) and accordingly revise the market value stated there if it is not based on well-founded assumptions and does not represent the market situation at the time of valuation.

Real estate valuators approved by Swedbank

Company Address Telephone Real estate type / restrictions
Arco Real Estate Blaumaņa iela 5a-1, Riga 67365555 Commercial real estate valuations with market value:
– Up to 300,000 EUR – no limit
– Above 300,000 EUR require opinion by the bank’s valuator
Residential property valuation – no limit
Balanss-V Stabu iela 47-2, Riga 26277709 Residential property valuation
Colliers International Advisor Satekles iela 2B - 512, Riga 67783333 Valuation of all property types
Eiroeksperts K. Valdemāra iela 20-9, Riga 67365999 Residential property valuation
Latio Elizabetes iela 21A, Riga 67032300 Valuation of all property types
Langes pils Dzirnavu iela 31-1, Riga 67505656, 26542233 Residential property valuation
LVKV Rīgas iela 39, Valmiera 64207022 Residential property valuation with market value:
– Up to 100,000 EUR – no limit
– Above 100,000 EUR require opinion by the bank’s valuator
Newsec Valuations LV Vesetas iela 7, Riga 67508400 Valuation of all property types
Nira Fonds Brīvības iela 73-1, Riga 67216678, 27011887 Residential property valuation
Ober Haus Vērtēšanas serviss Ieriķu iela 5, Riga 29557121, 67284544 Residential property valuation
PRIME Experts Kr. Valdemāra iela 33A-14A, Riga 22006653 Residential property valuation
RE eksperts Ernestīnes iela 12, Riga 67544380, 26683829 Valuation of all property types
Tribus Vērtēšana Vesetas iela 7, Riga 29416264 Residential property valuation
VCG Ekspertu grupa Kr. Barona iela 31, Riga 29722989, 67229008 Residential property valuation
Jelgava 29543033 Residential property valuation
Sigulda 29220941 Residential property valuation
Daugavpils 20333462 Residential property valuation
Vestabalt K. Barona iela 11-47, Riga 67323608, 26477700 Residential property valuation
Vindeks Lāčplēša iela 14, Riga 67285403, 29235485 Residential property valuation

If you want your property to be valuated simply, conveniently and fast, let Swedbank valuators take care of that! Swedbank valuations are prepared in abbreviated form and are not suitable for presenting to other credit institutions and cannot be used for the needs of other individuals or legal entities. The fee for Swedbank valuations is charged according to the bank’s price list.

For the possibilities of obtaining real estate valuation from Swedbank, ask your financial consultant at the bank!

Home loan with state support for families with children

If you’re expecting a baby or already have at least one child of up to 23 years of age in your custody who lives with you, and you’re planning to buy or build a home costing up to 250,000 EUR, apply for a loan with state support.

The size of the guarantee depends on the number of children in the family, including the child expected.

  1. If there is 1 minor child in the family, the guarantee is 10% but not more than 10,000 EUR.
  2. If there are 2 children in the family, the guarantee is 10-15% but not more than 15,000 EUR.
  3. If there are 3 children in the family, the guarantee is 10-20% but not more than 20,000 EUR.
  4. If there are 4 or more children in the family, the guarantee is 10-30% but not more than 30,000 EUR.
  5. If you’re buying a class-A energy efficient residential property, the amount of the guarantee may be increased by 5%.
  6. If you’ve used an Altum guarantee before, you can do it again if:
    • at least 3 years have passed since receiving the first guarantee;
    • the guarantee is already discharged;
    • the number of children in the family has increased since receiving the first guarantee.
  • Regular monthly income.
  • Positive credit history
  • Extent - up to 95% of the property’s market value.
  • Period – up to 30 years.
  • Collateral – the real estate being purchased or built.
  • ALTUM fee for granting the guarantee – 2.5% of the guarantee amount (1% in case of contract amendments).
  • Terms of construction loan - a cost estimate and building permit are required; the loan is made available in parts and a Swedbank representative will inspect the property before every portion of the loan is disbursed.
  1. Fill out the application and we will let you know about submitting additional documents required.
  2. The bank decides on granting the loan and notifies ALTUM.
  3. ALTUM decides on granting the guarantee.
  4. Pay ALTUM fee of 2.5% of the guarantee amount.
  5. Sign agreement with the bank.
  6. ALTUM prepares guarantee agreement for the bank.

Mortgage loan for young professionals

If you’re a young professional of 18 to 35 years of age and plan to buy real estate, apply in the housing guarantee programme un get co-funding for buying residential property.

  • Regular monthly income from 850 EUR (with co-borrower 1200 EUR)
  • Positive credit history
  • Extent - up to 95% of the property's market value
  • Repayment period - up to 30 years
  • Collateral - the real estate being purchased or built
  • ALTUM fee for granting guarantee - 4.8% of the size of the guarantee (1% in case of amendments to agreement)
  • Conditions for construction loans: cost estimate and building permit required. The loan is disbursed in parts. Swedbank’s representative will inspect the property before disbursement of each part of the loan.
  1. Fill out the application and submit the required documents
  2. The bank decides on granting the loan and notifies ALTUM
  3. ALTUM decides on granting the guarantee
  4. Pay ALTUM fee of 4.8% of the amount of the guarantee for the first period
  5. Sign agreement with the bank
  6. ALTUM prepares guarantee agreement for the bank

Loan for construction

Swedbank offers the most convenient solution for building, refurbishing or reconstructing your home.

  • The bank evaluates the correspondence of construction costs to the work to be performed
  • Amount of finance is up to 85% of the future value (with an option to get Altum guarantee)
  • The bank approves the loan disbursement breakdown together with the customer
  • Loan is disbursed in the amount of 70% of the property’s present value (as first portion of the loan)
  • Remaining portions of the loan are disbursed after the previously disbursed portions and customer’s own funds are invested

Additional documents to be submitted:

  • Construction cost estimate
  • Construction plan or sketch
  • Property’s future value
  • Find out your options or apply for house construction loan here
  • Decide on the size of the house you need and estimate how much it could cost to build it
  • Consult with a valuator about the potential property value after its completion. You can find our approved real estate valuators here
  • Take into account that the bank will disburse a loan of up to 85% of the future value of the real estate (up to 95% with Altum) and any difference in costs must be covered by your own co-finance that you will need to invest when starting construction of the house.
  • Find out if you’re eligible for having the construction costs covered as part of the Altum subsidy program Balsts.

Key steps to building a house

How does the home exchange solution work if you already have a mortgage loan from Swedbank?

  1. Fill out the application and indicate that you wish to use the exchange solution for buying the new home.
  2. Buy a new property.
  3. The bank will reduce the existing duration of the mortgage loan agreement to 12 months, keeping the monthly payment amount the same.
  4. You have 12 months to sell the existing property and pay off the balance of the first loan*.
  5. When the loan for the first home is repaid, you will again have just one loan for the new home.

* You have a possibility to postpone principal repayments for 12 months and pay only interest for the first loan.

Programme “Balsts”

If there are at least three children in your family and you are planning to purchase or build a home, you can receive funding in the form of an Altum grant, which will not have to be repaid. The available state funding ranges from 8,000 to 12,000 EUR and depends on the size of your family and the energy efficiency class of the dwelling.

  • Families with 3 or more children living in the same home.
  • Average income per family member (including children) for the last available taxation year, for which taxes are payable, does not exceed 17,000 EUR (gross).
  • Tax residents of Latvia (for at least the past 12 months).
  • The support recipient does not own any other residential property (home, apartment, cottage).

The grant will partially or fully substitute own co-financing. The grant cannot exceed 50% of the purchase price/construction costs.

What is the available amount of financing?

Number of children (including, if expecting) Energy efficiency class of the home to be purchased/constructed Maximum amount of grant, EUR
3 Not an almost zero-energy building 8,000
3 Is an almost zero-energy building 10,000
4 or more Not an almost zero-energy building 10,000
4 or more Is an almost zero-energy building 12,000
  • Regular monthly income.
  • Positive credit history.
  • Amount — up to 95% of the market value of the property, because the Altum guarantee can be used.
  • Term — up to 30 years.
  • Collateral — the real estate property purchased or constructed.
  • Conditions for construction loan — a cost estimate and construction permit are needed, the loan is issued in instalments; prior to the issue of each instalment, a Swedbank representative performs an on-site inspection.
  1. Fill out an application and we will let you know what additional documents need to be submitted.
  2. The bank takes a decision on issuing the loan and informs Altum.
  3. Altum takes a decision on issuing the grant.
  4. Sign the loan agreement with the bank.
  5. Electronically sign the grant agreement with Altum.
  6. Altum transfers the grant to the bank.

In case of purchase — at the time of transferring the purchase amount, the bank transfers these funds as co-financing or as part of it.

In case of construction — these funds are deposited to the customer’s account in accordance with the conditions of the loan agreement. The grant may be used only for non-cash settlement, and the customer has to report as to the use of the grant.

Mortgage loan

Do you want an individual or joint Mortgage loan?

Mortgage loan

Choose what applies to you and proceed with the application.

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Small Loan for turning plans into a reality

  • Until 30 November agreement fee – 0 EUR1Disclaimer details
  • Fill out application in few minutes
  • Early repayment without any fees
Find out more

1. Example of the loan expenses: loan of 15 000 EUR for 5 years, the interest rate 7.9%, the monthly payment 309.23 EUR, the agreement fee 0 EUR. Annual percentage rate 8.31%. Total repayable 18 244.02 EUR. Back to content

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  • About Swedbank

“Swedbank” AS
Balasta dambis 15, Riga,
LV-1048, Latvia
BIC/S.W.I.F.T.: HABALV22
Reg. number: 40003074764

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This is Internet Banking site of companies offering financial services - "Swedbank" AS, "Swedbank Līzings" SIA, "Swedbank Atklātais Pensiju Fonds" AS, "Swedbank Ieguldījumu Pārvaldes Sabiedrība" AS, "Swedbank P&C Insurance" AS Latvia branch, "Swedbank Life Insurance" SE Latvia branch. Before signing any agreement read the terms and conditions of the respective service.