Guides

Everything you want to know before you make an offer, in plain English.

• Bidding on a Norwegian home: how the budrunde works, smart and legal In Norway a bid is legally binding and the agent cannot set an acceptance deadline before 12:00 the next working day. Here is how to bid smart and safely.
• Buying a Norwegian home step by step: a first-time buyer guide (2026) Buying a home in Norway runs from a financing certificate and 10 % equity through the bidding round to contract and takeover. Here is each step.
• Buying a Norwegian home together as cohabitants In Norway, set your ownership share to match what each of you pays in, write a cohabitation agreement, and make a will. Cohabitants do not automatically inherit.
• Can I afford it? Norwegian lending rules and how much you can borrow (2026) In Norway you can borrow up to 5x your gross income and 90 % of the price, with 10 % equity and a stress test. Here is how the rules work in 2026.
• Document duty and purchase costs for a Norwegian home In Norway, freehold buyers pay 2.5% document duty plus a 545 kr registration fee on top of equity. Co-ops are exempt. Here is the full cost picture.
• Joint debt and borettslag economy: the real price of a Norwegian flat In Norway, a co-op flat's real price is the asking price plus your share of the joint debt. Here is how that works, and how a rate rise lifts your shared costs.
• The Norwegian condition report: reading TG2, TG3 and hidden defects (2026) In Norway the condition report grades each part of the home TG0-TG3. Read TG2 and TG3 first, check cause and consequence, and know your 5-year complaint window.
• What it costs to own a Norwegian home each month In Norway, the real monthly cost of owning a home is interest plus amortisation, shared and municipal fees, power, and maintenance. The asking price hides most of it.