How it works

Follow five easy steps to become the future homeowner

A contented woman sitting on a table, warmly smiling in a well-lit living room, radiating the joy of finding her dream home

Apply for free online

Apply now and get pre-approved. It's free, easy and comes with no obligations. This is suitable for you with a fixed income and the ability to service a mortgage, but who currently lack the equity capital for a loan from the bank. Check out your housing budget with our housing calculator.

Apply now
Apply now

Choose your home

It is up to you to find the homes for sale that you like. Skip the rental market and choose from properties for sale, where you have much greater options.

A happy family of three, including parents and a baby, gazes together towards a bright future in their new homeA hand resting confidently on a table, next to a set of house keys—a symbol of homeownership readiness

Address buys the home for you

When you have been approved to become a customer with us - and you have found the home you like, we will submit an offer for the home. You don't have to be involved in this process, we take care of it, so you can prepare to live in it.


Move in and start saving

When we have completed the purchase, you can move in and rent the property from us for a period of five years in the first phase. The lease can be extended if needed. You will have the right to buy the home at a pre-agreed adjusted price. You can invest in the property during the rental period to become a co-owner. An increased ownership share provides a larger portion of the value appreciation and reduces rental costs in proportion to your ownership stake. You will also have the opportunity to save more in addition to the rent payment in a savings account offered by our partner bank.

A woman lovingly tends to a thriving plantA woman reading a book by a window in her tranquil home

Congratulations, you are homeowner

When you are ready and have saved enough money to finance the equity for the home purchase, and your bank has issued a financing certificate, you can buy the home from us at the agreed price. Congratulations, you have become a home owner!

Still questions?

Let’s get in touch

We are here to answer all questions you might have. Drop us a line.
Do you want to meet us?

Book a meeting

Meeting time: 30 min.

Get a personal and free introduction to Address. Here you also get the opportunity to ask very specific questions regarding your home purchase.

En fornøyd kvinne smiler varmt i en godt opplyst stue, utstråler gleden over å finne drømmeboligen sin