Can I take out new loans or refinance during the agreement?

You cannot take out new loans or refinance existing loans during the agreement period without Aparta’s approval. The reason is that we hold a second-priority lien on your home – meaning Aparta’s security comes after your primary mortgage (for example, the loan with your bank). This security is important to cover potential risks, outstanding usage fees, or other costs if something should occur during the agreement period. If you wish to refinance or take out a new loan, we therefore recommend contacting us in advance. We assess such requests individually and will quickly let you know whether it can be approved and under what conditions.