What is a mortgage loan (a loan secured by real estate)? A mortgage loan is a loan secured by a mortgage registered on real estate in favour of the lender.
It typically allows you to apply for a higher loan amount, choose a longer repayment period, and often obtain better terms compared to unsecured loans. The lending decision depends mainly on the applicant’s repayment capacity and the value of the collateral property. The property used as collateral does not have to belong to the applicant.
Yes. Ipec Invest focuses on loans secured by real estate.
Companies and other legal entities registered in Estonia can apply.
Various types of real estate may be accepted as collateral, for example:
• apartments and houses
• commercial premises and offices
• residential land, agricultural/production land
• forest land, etc.
The collateral property does not need to be in the applicant’s name—what matters is that the
owner agrees to establishing the mortgage.
Yes, it can be possible. It depends on the specific case: the property value, the size of the existing mortgage, and the applicant’s income/cash flow. For a preliminary assessment, email a short description to info@ipecinvest.ee or submit an application via the website.
Refinancing means taking a new loan to repay the current loan obligation. In practice, the mortgage on the collateral property is transferred, through agreements and notarial actions, in favour of the new lender. Refinancing may be a good option if you want:
• a better interest rate
• a longer term and therefore a lower monthly payment
• a clearer and more suitable repayment schedule
Yes. If you have several small loans or instalment plans, consolidating them into one real-estatesecured loan may reduce your financial burden, as such loans often come with higher interest rates and shorter terms. One agreement makes management easier: one monthly payment and one
schedule
Establishing a mortgage is a notarial transaction where the property owner grants the lender the right to use the property as loan collateral. The notary prepares the agreement, the parties sign it, and the mortgage is registered in the Land Register. The transaction can be completed:
• in person at a notary office, or
• remotely via notar.ee using an ID-card or Mobiil-ID (depending on availability and
arrangements)
The collateral property must be insured throughout the loan term. The insurance policy must name the lender as the beneficiary, and the insured amount must cover at least the mortgage amount (exact requirements are set out in the agreement). Insurance protects the collateral against events
such as fire, water damage, and other unexpected incidents. For certain types of land (e.g., land without buildings), insurance may not be required—this is agreed in the contract.
If payment difficulties arise, the best solution is to contact the lender immediately and discuss
options to stabilise the situation. Ignoring the problem usually makes it worse and may lead to enforcement/realisation of the collateral. It is in both parties’ interests to reach a practical agreement before the situation escalates.
