No. Motty cannot guarantee a positive credit decision, because the final decision is always made by the bank after assessing the application.

At Motty, we help prepare the application, send it to the relevant banks, and explain the available options tailored to the customer’s needs and best interests.

No. Motty is not a bank. We are a loan broker that cooperates with banks and helps customers find available financing offers.

The decision to grant a loan, including the amount, interest rate, and terms, is always made by the bank.

Yes. Motty provides support in English. This means you can ask about loans, documents, refinancing or bank offers in your own language.

This is a great help if you are not familiar with Norwegian financial terms or want to make sure you understand the loan conditions.

Yes. Motty helps customers with the process of applying for a mortgage in Norway. This applies both to buying a property and refinancing an existing mortgage.

An advisor can help you understand bank requirements, equity, documents, and possible financing scenarios.

Yes. Motty works with many banks in Norway, which means we can help you check different financing options based on one application.

However, this does not mean that every customer will receive an offer from every bank. Banks assess each application individually.

No. The advisor will help you understand the offers, the differences in costs and terms, but you make the final decision yourself. The loan should be suited to your situation and repayment ability.

Yes. With Motty, you submit one application, and we help you check the available options from the banks we work with. This is simpler than sending separate applications to multiple institutions.

For the customer, submitting an application through Motty is free and non-binding. You can check the available offers without any obligation to sign an agreement.

No. Submitting an application through Motty is free and non-binding. You can check the available options, and you decide whether to accept or reject an offer only after reviewing the bank’s terms.

A loan in Norway is granted after the bank carries out an individual assessment of the customer. The bank checks, among other things, income, payment history, existing financial obligations, age, housing situation, and any debt collection records. Only then can it present a loan offer.

With Motty, you can submit one application, and we help check your options with the banks we cooperate with. This means you do not have to contact each bank separately.