Norsk Refinansiering

Norsk Refinansiering is a Norwegian intermediary that arranges refinancing of personal debt secured against a home. It combines a homeowner's mortgage, credit card balances, consumer loans and collection claims into one secured loan, and submits the application to five of the largest banks in specialist lending on the customer's behalf.

The service targets private individuals who can offer their home as collateral, including people who have been refused by a bank, have payment remarks or debt collection cases, or want to reduce monthly costs. The company states that the service is free of charge for applicants. Advisers negotiate terms with the banks, and the banks repay the existing debts when the loan documents are signed. The site cites general lending guidelines of up to 85% of the home's value and five times household gross annual income, with final amounts assessed individually.

The company is registered in Oslo, where its registered address is located, and was founded in 2018. Its legal form is an aksjeselskap (AS). It is a service firm without a software product and is not positioned as a technology company.

Product: Brokered refinancing of personal debt with a secured loan against the borrower's home, placed with partner banks.