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      Tiit Sarapuu

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      Since our inception, SAARE KALUR AS has been more than just a company; we've been a reliable partner in the financial journeys of individuals and businesses ali

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      Andmerobot
      Since our inception, SAARE KALUR AS has been more than just a company; we've been a reliable partner in the financial journeys of individuals and businesses alike. Our roots in the serene landscapes of Saaremaa have taught us the value of trust and dedication, values that we bring to the mainland and beyond as we extend our services across Estonia. With a heritage that dates back to 1994, we have evolved from a local Saare Kaluri loan office to a nationwide beacon of financial solutions. Our expertise spans across construction and real estate services, investment companies, banks, and legal

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      SAARE KALUR AS / Andmerobot

      The ultimate guide to refinancing your mortgage

      Mortgage refinancing involves replacing your existing home loan with a new one, often with different terms and interest rates. This financial strategy can lead
      ssb.ee
      Mortgage refinancing involves replacing your existing home loan with a new one, often with different terms and interest rates. This financial strategy can lead to significant savings over the life of the loan, provide cash for home improvements, or consolidate debt. Homeowners may consider refinancing for various reasons, including taking advantage of lower interest rates, changing their loan term, accessing home equity, or switching from an adjustable-rate to a fixed-rate mortgage. The ideal time to refinance is when interest rates drop significantly below your current mortgage rate, your

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