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Credit checks

All applications are assessed individually. To be eligible for a deposit guarantee, the following basic requirements must be met:

  • The tenant must be 18 years or older.
  • The tenant must not have any registered payment remarks.
  • The tenant must be a Norwegian citizen, or have had a permanent income and residence in Norway for at least 12 months.

Meeting the basic requirements does not necessarily mean that the guarantee will be approved. All applications go through an individual credit and risk assessment. In some cases, we may request additional documentation before the application can be fully processed.

Note: Applications from people with a shorter connection to Norway may in some cases be assessed individually, provided that the tenant can document income in Sweden or Denmark for the past 12 months and does not have any payment remarks in that country.

There is no cost to create an account and use Keyhole as a landlord.

Security deposit accounts and credit checks are charged to the landlord.

If the tenant chooses a deposit guarantee, the tenant pays the guarantee premium.

Keyhole offers several services that make it easier to manage your tenancies:

  • Keyhole Secure: digital security deposit account, available to tenants across Europe.
  • Keyhole Guarantee: deposit guarantee that can be used instead of a cash deposit.
  • Tenant Screening: credit check of prospective tenants with their consent.
  • Tenant Screening Plus: extended credit and background screening of prospective tenants with their consent, including payment history, income verification, and checks of identity, PEP, AML and address.

Keyhole makes it easy to manage the financial security of a tenancy.

Through Keyhole, you can offer the tenant either a security deposit account (Keyhole Secure) or a deposit guarantee (Keyhole Guarantee). You can also run credit checks on prospective tenants, provided that the tenant has given their consent.

The entire process is managed digitally, from setting up the tenancy to completing the final settlement.