Eiendomsfinans
Eiendomsfinans is Norway's largest independent mortgage broker, intermediating approximately six billion NOK in loans annually for Norwegian consumers across a network of 14+ partner banks, compensated by bank commissions on a free-to-customer advisory model.
- Company typePrivate
- Founded1993
- HeadquartersOslo, Norway
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Eiendomsfinans does
Eiendomsfinans Drift AS, headquartered in Drammen, Norway, is the country's self-described largest independent mortgage broker (boliglånsformidler), operating since 1993 as a wholly-owned subsidiary of Enity Bank Group AB. The company acts as an intermediary between Norwegian consumers and a network of more than fourteen partner banks, including BN Bank, Bank 2, Bluestep Bank, Sparebank 1 SMN, Nordax, Instabank, Resurs Bank, Kraft Bank, and several regional savings banks. Its core offering is a free-to-customer loan advisory service in which a dedicated advisor collects financial information once, then negotiates with multiple banks on the customer's behalf to secure the best available terms; the company is compensated via commissions paid by partner banks on concluded loan agreements.
The product portfolio centers on home mortgages and refinancing, supplemented by car loans, consumer loans, business loans, debt assistance, and a loan calculator tool. Specialized variants target first-time young buyers (Boliglån UNG), retirees (Seniorlån), borrowers with payment remarks or complex financial histories (Omstartslån, slette betalingsanmerkninger), and niche financing needs such as cottages, boats, and intermediate bridging loans. Eiendomsfinans mediates approximately six billion NOK in loan volume annually and has served tens of thousands of customers over three decades.
Distribution is sales-led and advisor-driven: customers apply online through eiendomsfinans.no and are matched with a permanent advisor who manages the entire loan process from application through bank negotiation and settlement. The company operates offices in Drammen (headquarters), Oslo, and Bergen, and supplements direct acquisition with referral partnerships including ASK Eiendomsmegling and other real estate agents. The business is regulated by Finanstilsynet under the Financial Contracts Act, complies with GDPR, and generates revenue exclusively through commission arrangements with partner banks rather than customer fees.
Eiendomsfinans firmographics
Firmographics- Name
- Eiendomsfinans
- Legal name
- Eiendomsfinans Drift AS
- Website
- https://eiendomsfinans.no
- Company type
- Private
- Founded year
- 1993
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Eiendomsfinans is Norway's largest independent mortgage broker, intermediating approximately six billion NOK in loans annually for Norwegian consumers across a network of 14+ partner banks, compensated by bank commissions on a free-to-customer advisory model.
- Ownership category
- akta.pro rank
Eiendomsfinans industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)
- akta.pro secondary industries
- Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA), Secured-to-Unsecured Refinance Personal Loans (Unsecured Installment) (FSAKAAAI)
Keywords
Where Eiendomsfinans is headquartered
LocationHeadquarters
- HQ city
- Oslo
- HQ country
- Norway
- HQ region
- Europe
Offices3 records
Markets served
Eiendomsfinans business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Commission from Banks: Eiendomsfinans receives commission from the banks they partner with based on concluded loan agreements mediated through their platform. This is the primary revenue stream, which allows them to offer free services to customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Free loan intermediation service |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels6 records
Eiendomsfinans product offering
Product offeringCore offering
Eiendomsfinans operates as an independent mortgage and loan broker in Norway, collecting each customer's financial information once and submitting it to a network of 14+ partner banks to source competing mortgage, refinancing, consumer, vehicle, and debt consolidation offers. The advisory service is free to consumers, with the company compensated by commissions paid by the partner banks on concluded loan agreements.
Product overview
Eiendomsfinans is Norway's largest independent mortgage broker (boliglånsformidler) operating as a loan brokerage platform. The company acts as an intermediary between customers seeking loans and a network of partner banks, offering free advisory services compensated by the banks. The core product portfolio centers on mortgage/home loans (Boliglån) and refinancing services, supplemented by car loans (Billån), consumer loans (Forbrukslån), and debt assistance (Hjelp med gjeld). Specialized loan products include Boliglån UNG for young buyers, Seniorlån for retirees, and Omstartslån for those with complicated financial situations. The platform differentiates through free services, dedicated advisors, and over 30 years of experience, with approximately 6 billion NOK in mediated loan volume annually.
Differentiator
Problem solved
Functional benefit
Products and services
- Boliglån (Home Loans / Mortgages) Mortgage intermediation service comparing home loan offers from 14+ partner banks for Norwegian consumers purchasing residential property.
- Refinansiering (Refinancing) Refinancing intermediation that replaces existing loans with improved terms, lower rates, or consolidated debt across the partner bank network.
- Billån (Car Loans) Car loan intermediation service financing consumer vehicle purchases through the partner bank panel.
- Forbrukslån (Consumer Loans) Unsecured consumer loan intermediation covering personal financial needs and small-loan consolidation through partner banks.
- Hjelp med gjeld (Debt Help) Specialist debt intermediation service covering payment remarks, debt collection matters, and broader financial cleanup for distressed borrowers.
- Omstartslån (Restart Loan) Restart loan intermediation offering a fresh financial start for customers with complicated financial situations.
- Boligkreditt (Home Equity Credit Line) Home equity credit line intermediation allowing homeowners to borrow against the equity in their property.
- Finansieringsbevis (Financing Certificate / Pre-approval) Pre-approval service confirming an agreed loan amount a customer can borrow in preparation for property purchase.
- Seniorlån (Senior Loan) Senior loan intermediation designed for older homeowners, typically using residential property as security.
- Førstehjemslån (First Home Loan) First home loan intermediation for customers purchasing their first residential property.
- Hyttelån (Cottage / Holiday Home Loan) Holiday home loan intermediation for financing Norwegian cottages and vacation properties.
- Mellomfinansiering (Intermediate Financing) Intermediate bridging loan intermediation for customers transitioning between property purchase and sale transactions.
- Båtlån (Boat Loan) Boat loan intermediation for consumers financing watercraft purchases through partner banks.
- Bedriftslån (Business / Corporate Loan) Business and corporate loan intermediation for Norwegian companies seeking financing through the partner bank network.
- Spesiallån (Specialty Loan) Specialty loan intermediation covering non-standard financing requirements including complex borrower situations.
- Motorsykkel/ATV/Snøscooter-lån (Motorcycle / ATV / Snowmobile Loan) Loan intermediation for motorcycles, ATVs, snowmobiles, and similar motorized leisure vehicles.
- Sekundærbolig-lån (Secondary Residence Loan) Secondary residence loan intermediation for Norwegian consumers purchasing a second home.
- 2. Prioritetslån (Second Priority Mortgage Loan) Second priority mortgage loan intermediation for Norwegian consumers seeking a second-lien mortgage on their property.
- Boliglån med kausjonist (Mortgage with Guarantor) Mortgage intermediation for applicants who require a guarantor in order to qualify for a home loan.
- Slette betalingsanmerkninger (Payment Remark Removal Service) Service helping Norwegian customers remove payment remarks and negative credit markers by consolidating or refinancing debt through partner banks.
- Inkassohjelp (Debt Collection Help Service) Debt collection assistance service helping Norwegian customers resolve outstanding collection matters through partner banks and debt service partners.
- Bobil (Motorhome Financing) Motorhome financing intermediation through partner banks for consumers purchasing motorhomes and RVs.
Quantifiable outcome
- 24-48 hour response time for loan applications
- +1 more outcomes
Companies that use Eiendomsfinans
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles4 records
Eiendomsfinans technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Eiendomsfinans partnerships and signals
Strategic signalPartnerships
18 partnerships are on record, tiered core and minor.
- BN BankcorePartner bank for loan intermediation. Eiendomsfinans acts as financial agent preparing and submitting loan applications to BN Bank on behalf of customers.
- Bank 2 (Enity Bank Group)corePartner bank under Enity Bank Group. Eiendomsfinans is owned by Enity Bank Group AB but operates independently to find best solutions for customers.
- Skagerrak SparebankcoreRegional savings bank partner for mortgage and loan products.
- LEABankcorePartner bank for loan intermediation services.
- Svea FinanscoreFinancial services partner for consumer and business loans.
- Skue SparebankcoreRegional savings bank partner for loan products.
- Sparebank 1 SMNcoreMajor regional bank partner for mortgage and financial services.
- Balanse BankcorePartner bank for loan intermediation.
- Kraft BankcorePartner bank for mortgage and loan products.
- InstabankcoreDigital bank partner for consumer loans and refinancing.
- NordaxcorePartner bank for personal loans and refinancing.
- Sandnes SparebankcoreRegional savings bank partner for loan products.
- Bluestep BankcorePartner bank, part of Enity Bank Group AB, specializing in mortgages for customers with complex situations.
- Resurs BankcorePartner bank for consumer loans and credit products.
- ASK EiendomsmeglingcoreReal estate agent partner providing referral services and joint customer acquisition. Customers can get loan offers through ASK Eiendomsmegling with Eiendomsfinans handling the banking negotiations.
- CogniteminorListed as collaboration partner on website.
- LowellminorDebt collection services partner for helping customers with debt cleanup.
- Brage FinanscoreFinancing partner for boat and motor vehicle loans. Eiendomsfinans has a dedicated team at Brage Finans working exclusively on loan applications.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Eiendomsfinans competitors and assessment
Company assessmentBroad incumbents
- Resurs Bank: Nordic niche bank offering consumer loans, credit cards, and retail financing. Partner bank of Eiendomsfinans that also distributes directly, creating a hybrid competitor/channel relationship.
- Bank Norwegian: Direct digital bank in Norway offering consumer loans, credit cards, and savings. A direct lender that competes with bank partners in Eiendomsfinans' network and can disintermediate brokers.
- Instabank: Norwegian digital consumer loan bank. Listed as a partner bank of Eiendomsfinans but also a direct-to-consumer lender that competes for the same refinancing customers.
Direct peers
- Zmarta: Scandinavian loan and insurance comparison platform active in Norway. Overlaps with Eiendomsfinans on consumer loan and refinancing brokerage.
- Sambla: Leading Norwegian loan comparison and brokerage platform. Direct competitor to Eiendomsfinans in brokering consumer loans, refinancings, and mortgages, with a more digital-first model.
- Lendo: Norwegian loan broker owned by Schibsted, comparing loan offers from multiple banks. Directly competes with Eiendomsfinans on consumer loan and refinancing intermediation.
- Compricer: Swedish-origin comparison and brokerage service operating in Norway. Competes with Eiendomsfinans on consumer loan and refinancing intermediation.
- Finansportalen: Norwegian price-comparison portal for banking and insurance products run by the Norwegian Consumer Council. Adjacent competitor that reduces friction for consumers comparing loan offers.
Emerging players
- Bluestep Bank: Norwegian mortgage lender specializing in customers with non-standard financial situations; part of Enity Bank Group AB alongside Eiendomsfinans. Closely related rather than purely competitive, but offers competing products via sister-entity channels.
Others
- Nordax (Nordea Direct Bank / Nordax Bank): Specialist Nordic consumer and refinancing lender. Eiendomsfinans partner bank that also serves end customers directly, representing both a distribution channel and a potential disintermediator.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Eiendomsfinans social profiles
Digital presenceEiendomsfinans compliance and trust
Trust signalCompliance2 records
Eiendomsfinans financial estimates
Financial estimateRevenue estimate
Valuation estimate
Eiendomsfinans leadership team
Management profileNumber of profiles
Profiles4 records
Eiendomsfinans funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Eiendomsfinans M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Eiendomsfinans
What does Eiendomsfinans do?
Eiendomsfinans operates as an independent mortgage and loan broker in Norway, collecting each customer's financial information once and submitting it to a network of 14+ partner banks to source competing mortgage, refinancing, consumer, vehicle, and debt consolidation offers. The advisory service is free to consumers, with the company compensated by commissions paid by the partner banks on concluded loan agreements.
Is Eiendomsfinans a public or private company?
Eiendomsfinans is a private company. It is classified as corporate owned and is currently operating.
When was Eiendomsfinans founded?
Eiendomsfinans was founded in 1993. It employs 101 to 250 people.
Where is Eiendomsfinans based?
Eiendomsfinans is headquartered in Oslo, Norway, in the Europe region.
How does Eiendomsfinans make money?
One revenue line is on record: commission from Banks.
Who are Eiendomsfinans's main competitors?
Broad incumbents on record are Resurs Bank, Bank Norwegian and Instabank. Direct peers are Zmarta, Sambla, Lendo, Compricer and Finansportalen. Bluestep Bank is listed as an emerging player. Nordax (Nordea Direct Bank / Nordax Bank) is listed as an others.
Does Eiendomsfinans have an API?
No public API is recorded for Eiendomsfinans.
What industry is Eiendomsfinans in?
Eiendomsfinans's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance), with a secondary code of FSAEAMAA, Mortgage & Loan Introducers (Residential & Commercial). Its NAICS code is 522310 and its SIC code is 6163.