Fio banka mortgage: rates, fees and terms
Fio banka publishes rates for loans with LTV up to 80% and amounts from €40,000. Its current price list shows no arrangement or account-management fee.
Published: Checked:
Fio banka's published rates
| Fixation | Rate from |
|---|---|
| 1 year | 4.18 % |
| 2 years | 3.98 % |
| 3 years | 3.58 % |
| 5 years | 3.88 % |
LTV up to 80%, loan from €40,000; subject to assessment.
This campaign rate has ended. Check the current rate with the bank.
The lowest rates if you meet the conditions below. They are not the APRC or a personal offer; the bank assesses each application individually.
Rates and discount conditions
Fio banka’s rates in the comparison are published for loans from €40,000 with LTV up to 80%. Fio says the same rate sheet applies to purchases and refinancing. The bank has not published pricing for LTV between 80% and its maximum of 85%; ask for an individual offer.
Fees
The price list effective 2 April 2026 shows no mortgage arrangement or account-management fee. The customer arranges a property valuation and pays the valuer. A contract change or top-up may have a separate fee; the price list has its own item for an increase.
Loan amount, LTV and term
Fio lists loans from €40,000 to €1,000,000 and maximum LTV of 85%. Construction and building alterations have a higher minimum of €70,000. The published rate sheet covers LTV up to 80%, so confirm pricing above that level. The mortgage term is listed up to 30 years, with repayment by age 70.
Who can apply: age and income
The bank accepts employment income, business income, rent and selected other income. Self-employed applicants usually provide tax returns for two completed periods; Fio allows one in some cases without publishing the exact criteria. The recognised tax-base, turnover or dividend calculation is not public. Fio also lists a limited exception for some foreign income paid in euros; that does not mean all foreign income is accepted.
Refinancing and top-ups
Fio explicitly lists refinancing as a mortgage purpose and applies its published rates to it. The bank still requires income documents for refinancing; public materials do not establish a general no-document route. A top-up may be a contract change and is subject to a fee and new assessment.
Insurance
Insurance for pledged property is required. The reviewed public materials do not show a general rate discount for life or repayment insurance. Check the premium and assignment of insurance proceeds in your offer.
How to apply
Prepare income confirmation, bank statements and, for business income, tax returns. For construction, confirm the minimum amount, future valuation and drawdown process in advance. Compare the offer with other mortgage rates.
Frequently asked questions
Does Fio’s rate apply above 80% LTV?
Fio has not published a rate for the 80–85% band. The product allows up to 85% LTV, but the rate sheet explicitly gives prices only up to 80%.
What does a Fio mortgage cost?
The price list effective 2 April 2026 shows no arrangement or account-management fee. The customer arranges a property valuation separately and pays the valuer’s price.
Which documents does a self-employed applicant provide?
Fio usually asks for tax returns for two completed periods and allows one in some cases. The bank does not publish its exact self-employed income formula.
Sources
Checked:
- Fio banka – mortgages
- Fio banka – rate sheet effective 1 October 2026
- Fio banka – price list effective 2 April 2026
- Fio banka – how to get a mortgage
- Fio banka – mortgage FAQ
We checked these figures against the listed sources on the verification date. Bank terms and regulations change, so confirm them with the bank before you decide.