Can foreigners get a mortgage in Norway in 2026?

Expect a D-nummer or fødselsnummer, a Norwegian bank account, and salary paid through that account. DNB and other large retailers have publicly described needing Norwegian employment and local payroll for ordinary retail mortgages. Document where equity comes from under anti-money-laundering rules.

Finanstilsynet sets system-wide lending constraints on equity, debt relative to income, and interest-stress tests. Exact percentages change with regulation, so confirm the live bank offer before you bid. In practice, banks often ask international citizens for more equity than the regulatory minimum; public bank comments have cited figures around 15–25% depending on the lender. Total debt caps and a rate-stress test still apply whether you hold a Norwegian or foreign passport.

Selveier flats are usually simpler titles. Borettslag deals need the bank to price your share of fellesgjeld into total debt: Freehold vs leasehold-style ownership and Shared fees. Budget cash for dokumentavgift, fees, and valuation on top of equity: Property purchase costs. If financing stalls, keep renting on Finn.no: How to rent a home.