Intesa Sanpaolo Slovenia Retirement Mortgage Intesa Sanpaolo Slovenia
€0
- Interest Rate: 3.50% – 5.75% p.a.
- Max LTV: 80%
- Rate Type: Variable / Fixed
- Max Term: 30 years
Compare Mortgages in Slovenia
Compare home loan rates in SI.
Compare the top 5 Slovenia mortgages providers. Data current as of 1 November 2026 and updated daily from the Giraffy database.
Live offers
14 live offers compared from 5 providers. Updated daily.
Addiko Bank Slovenia Tracker Mortgage Addiko Bank Slovenia
€0
- Interest Rate: 3.50% – 5.75% p.a.
- Max LTV: 80%
- Rate Type: Variable / Fixed
- Max Term: 30 years
NLB Tracker Mortgage NLB
€0
- Interest Rate: 3.50% – 5.75% p.a.
- Max LTV: 80%
- Rate Type: Variable / Fixed
- Max Term: 30 years
NLB Buy-to-Let Mortgage NLB
€0
- Interest Rate: 3.50% – 5.75% p.a.
- Max LTV: 80%
- Rate Type: Variable / Fixed
- Max Term: 30 years
Addiko Bank Slovenia First Home Mortgage Addiko Bank Slovenia
€0
- Interest Rate: 3.50% – 5.75% p.a.
- Max LTV: 80%
- Rate Type: Variable / Fixed
- Max Term: 30 years
UniCredit Bank Slovenia Green Mortgage UniCredit Bank Slovenia
€0
- Interest Rate: 3.50% – 5.75% p.a.
- Max LTV: 80%
- Rate Type: Variable / Fixed
- Max Term: 30 years
Sparkasse Banka Offset Mortgage Sparkasse Banka
€0
- Interest Rate: 3.50% – 5.75% p.a.
- Max LTV: 80%
- Rate Type: Variable / Fixed
- Max Term: 30 years
Intesa Sanpaolo Slovenia Buy-to-Let Mortgage Intesa Sanpaolo Slovenia
€0
- Interest Rate: 3.50% – 5.75% p.a.
- Max LTV: 80%
- Rate Type: Variable / Fixed
- Max Term: 30 years
Addiko Bank Slovenia Offset Mortgage Addiko Bank Slovenia
€0
- Interest Rate: 3.50% – 5.75% p.a.
- Max LTV: 80%
- Rate Type: Variable / Fixed
- Max Term: 30 years
Intesa Sanpaolo Slovenia Fixed Rate Mortgage Intesa Sanpaolo Slovenia
€0
- Interest Rate: 3.50% – 5.75% p.a.
- Max LTV: 80%
- Rate Type: Variable / Fixed
- Max Term: 30 years
UniCredit Bank Slovenia Variable Rate Mortgage UniCredit Bank Slovenia
€0
- Interest Rate: 3.50% – 5.75% p.a.
- Max LTV: 80%
- Rate Type: Variable / Fixed
- Max Term: 30 years
NLB First Home Mortgage NLB
€0
- Interest Rate: 3.50% – 5.75% p.a.
- Max LTV: 80%
- Rate Type: Variable / Fixed
- Max Term: 30 years
Sparkasse Banka Remortgage Sparkasse Banka
€0
- Interest Rate: 3.50% – 5.75% p.a.
- Max LTV: 80%
- Rate Type: Variable / Fixed
- Max Term: 30 years
UniCredit Bank Slovenia Self-Build Mortgage UniCredit Bank Slovenia
€0
- Interest Rate: 3.50% – 5.75% p.a.
- Max LTV: 80%
- Rate Type: Variable / Fixed
- Max Term: 30 years
What is a mortgage in Slovenia?
A mortgage in Slovenia (stanovanjski kredit or hipotekarni kredit) is a long-term loan secured against property, used to buy, build or renovate a home. Loans run for many years, commonly up to 20–30 years, and are secured by a mortgage lien on the property. Borrowers choose between a fixed interest rate (fiksna obrestna mera) for payment certainty and a variable rate tied to the Euribor benchmark plus a margin. Lenders assess income, existing debts and the loan-to-value ratio before approving.
How the Slovenian market works
Mortgages are provided by banks supervised by Banka Slovenije within the eurozone. Variable-rate loans are typically priced as Euribor (often 6- or 12-month) plus a fixed bank margin, so repayments move with European Central Bank policy; fixed-rate loans lock the rate for a period or the whole term. Lenders require a deposit, property valuation and often life insurance on the borrower. Responsible-lending rules cap borrowing relative to income and property value.
Benefits
Home ownership — spread the cost of buying or building a home over decades.
Rate choice — pick a fixed rate for certainty or a Euribor-linked variable rate.
Long terms — extended repayment periods keep monthly instalments manageable.
Renovation financing — mortgages can fund construction and major home improvements.
How to choose
Compare the EOM (annual percentage rate) across lenders, weighing fixed versus Euribor-linked variable rates against your appetite for payment changes. Check the required deposit and loan-to-value limit, arrangement and valuation fees, and any mandatory life and property insurance. Look at the margin over Euribor on variable loans, early-repayment terms, and the maximum term. Model repayments if Euribor rises to test affordability.
Leading providers in Slovenia
Intesa Sanpaolo Slovenia and NLB are major mortgage lenders with full fixed and variable ranges. Addiko Bank Slovenia offers home loans to consumers, while UniCredit Bank Slovenia brings international group backing and Sparkasse Banka provides accessible housing finance. Because margins, fees and fixed-rate offers differ, comparing the EOM and total cost across at least two or three of these banks is essential before committing.
What it costs
The main cost is interest — either a fixed rate or Euribor plus a bank margin — plus arrangement fees, property valuation, notary and land-registry costs, and mandatory insurance. Variable-rate repayments rise and fall with Euribor, so budget for potential increases. A larger deposit and shorter term reduce total interest. Always compare the EOM and the total amount repayable over the full term, not just the headline rate.
Protections and regulation
Mortgage lending is governed by Slovenian consumer-credit and housing-loan rules aligned with the EU Mortgage Credit Directive, requiring clear disclosure of the EOM, total cost and a reflection period. Banks are supervised by Banka Slovenije and must assess affordability. Borrowers have information rights and early-repayment protections, and complaints can be escalated to Banka Slovenije or consumer bodies. The property secures the loan through a registered mortgage.
Common questions
Fixed or variable rate? Fixed gives certain payments; Euribor-linked variable can be cheaper but rises and falls with rates.
What is Euribor? The euro interbank benchmark that, plus a bank margin, sets variable mortgage rates.
How much deposit do I need? Lenders require a deposit and cap the loan-to-value; a larger deposit lowers cost.
Mortgages in Slovenia — FAQ
What mortgage rate can I get in Slovenia right now?
Giraffy tracks 14 mortgage products across 5 lenders in Slovenia. Use the sort and filter controls to compare fixed versus variable rates and initial deal lengths.
What is the difference between a fixed-rate and a variable-rate mortgage?
A fixed-rate mortgage locks your interest rate for a set period — typically 2, 5, or 10 years — giving payment certainty. A variable rate moves with the central bank benchmark rate set by the Bank of Slovenia (Banka Slovenije). Fixed rates suit those who want stability; variable suits those who expect rates to fall.
How much can I borrow with a mortgage?
Most lenders apply an income multiple — typically 4–5× your gross annual income for a conventional mortgage. Affordability assessments also factor in outgoings, existing debts, and the property's loan-to-value (LTV) ratio. A mortgage adviser or broker can run a full affordability assessment for free.
What is LTV (loan-to-value) and why does it matter?
Loan-to-Value (LTV) is the mortgage amount as a percentage of the property's value. A 90% LTV means you're borrowing 90% and putting down 10% as a deposit. Lower LTV means less risk for the lender — you'll typically be offered a lower interest rate with a deposit of 20–25% or more.
How long does mortgage approval take?
An indicative approval can usually be obtained the same day online. Full mortgage approval — after property valuation and underwriting — typically takes 2–6 weeks. Having all your documents ready (pay stubs, bank statements, ID) speeds up the process significantly.
Are there Islamic home-finance products available in Slovenia?
Sharia-compliant home-finance products structure the transaction without interest, typically through Murabaha (cost-plus financing) or Ijara (lease-to-own) arrangements. Check with individual lenders for availability in your market.
What fees are charged to set up a mortgage?
Lenders often charge arrangement, origination, or application fees to set up a mortgage — amounts vary by lender and market. You can usually add them to the loan, but you'll pay interest on them for the full term. For large loans, a higher-fee/lower-rate deal may be cheaper overall — compare total cost over the initial fixed period.