Financing freehold properties in Älta

When Tantalos Fastigheter developed a townhouse project in Lovisedal, Älta, we stepped in as the financing partner. This was our first project involving freehold properties. It’s a tenure structure that comes with a different set of requirements compared to condominiums, and one we’ve built capability to support. We see it as a natural extension of our offering and an area we’re continuing to expand.

In a freehold structure, each unit is a separate property, giving buyers the same level of ownership and flexibility as a traditional house. During the construction phase, that also shapes how financing needs to be structured. Property subdivision, phased transfers and the handling of mortgage deeds all add complexity, requiring both experience and flexibility from the lender. Supporting different tenure structures is a core part of what we do, and freehold is an area where we’re steadily broadening our scope, across both houses and apartments.

The Lovisedal project consists of townhouses ranging from 120 to 145 square metres, arranged over two floors. Each unit has its own plot and two outdoor spaces. These are homes meeting a clear demand in the local market which was also a key factor for us from the start.

About Tantalos Fastigheter

Tantalos Fastigheter was founded in 2020 with a clear ambition to develop sustainable, well-designed homes where people want to live over time. The company combines environmental consideration with thoughtful architecture and functionality, with a focus on creating places that work both in everyday life and in the long term. With several successfully completed projects, Tantalos has shown that this approach goes beyond ambition. Lovisedal is no exception, with consistent attention to materials, functionality and outdoor environments throughout the process.

– The market looks very different today. Together with Bostadskreditfonden, we’ve been able to structure a model that allows for greater flexibility during the sales phase, creating both momentum in the project and added confidence for buyers. That has been key to making Lovisedal a reality. We are now looking forward to welcoming the first buyers to an area we are very proud of, says Martin Häggqvist, CEO of Tantalos Fastigheter.

For Bostadskreditfonden, the project also highlights the importance of a well-structured financing setup. With support from Boverket’s credit guarantee, combined with a close and well-functioning collaboration with the developer, it shows how new housing can be brought forward in today’s market.

– This has been a genuinely enjoyable project to be part of. From the get-go, Tantalos had a clear direction, which is reflected in how smoothly everuthing has progressed. The tenure structure has also allowed us to continuously assess demand throughout the project, while providing a security structure well suited to the financing. Just as importantly, the collaboration and ongoing dialogue have been very good, says Lottie Löf, CEO of Bostadskreditfonden.