A simpler tenancy with Heimstaden and Keyhole
Understand the deposit solution in your invitation, what you need to do next and where to get help.
HEIMSTADEN × KEYHOLE
A partnership for a simpler tenancy
More flexibility should not mean less security.
At Keyhole, we value our close partnership with leading rental providers such as Heimstaden. The partnership is designed to give you a better and more flexible rental experience.
On this page, you can understand the deposit solution connected to your tenancy, what you need to do next and where to get the right support.
BEFORE YOU START
Start with your Heimstaden invitation
To use Keyhole with Heimstaden, you need to:
✅ Receive an invitation from Heimstaden.
✅ Download the Keyhole app using the invitation link.
✅ Complete the onboarding process.
When you use the invitation, the correct home and the relevant solution are automatically connected to your profile.
‼️ IMPORTANT NOTICE:
You cannot set up a guarantee or deposit account without an invitation from Heimstaden.
KEYHOLE GUARANTEE OR SECURE
Two ways to handle your deposit
When you sign a tenancy agreement with Heimstaden, your deposit may be handled through one of two Keyhole solutions. Heimstaden sends you an invitation to the solution that applies to your tenancy.
KEYHOLE GUARANTEE
Monthly premium
KEYHOLE SECURE
Deposit paid into an account
Guarantee
A paid guarantee instead of the full cash deposit
With Keyhole Guarantee, you do not pay the full cash deposit when you move in. Instead, you pay a fixed monthly premium for as long as the tenancy continues.
BENEFITS:
✅ You do not tie up several months' rent in a cash deposit.
✅ You keep your savings in your own account.
✅ The process is managed digitally through Keyhole.
‼️ IMPORTANT TO KNOW:
Keyhole Guarantee is not insurance
Keyhole provides Heimstaden with guarantee security within the agreed amount and terms. If you cannot pay a valid claim from Heimstaden and the claim is accepted under the applicable terms, Keyhole may pay the amount to Heimstaden on your behalf. You are then responsible for repaying that amount to Keyhole.
If Heimstaden has a valid claim when you move out
- The claim is handled through the applicable documentation and objection process.
- Keyhole may pay the accepted amount to Heimstaden under the guarantee terms.
- You are responsible for repaying any amount paid on your behalf.
Secure
A deposit account in your name
Keyhole Secure is a traditional Norwegian deposit account. You pay the agreed deposit into a blocked account in your name, where it remains separate from Heimstaden’s funds throughout the tenancy.
✅ The account is in your name.
✅ The money acts as security for Heimstaden.
✅ The funds are locked in accordance with § 3-5 of the Norwegian Tenancy Act.
‼️ GOOD TO KNOW:
Your deposit stays separate throughout the tenancy
For this Heimstaden setup, the deposit is held in an account with Danske Bank. You can view your deposit and any interest earned in your Keyhole profile.
When the tenancy ends, the money is released by agreement or through the statutory process.
ELIGIBILITY
Who can get Keyhole Guarantee?
To set up Keyhole Guarantee, you must meet the following criteria:
✅ Be over 18 years old.
✅ Be a Norwegian citizen or have a valid residence permit in Norway.
✅ Have documented income in Norway, Sweden or Denmark during the last 12 months.
✅ Have no payment remarks.
All applications are assessed digitally as part of the onboarding process.
HOW TO GET STARTED
Four steps from contract to move-in
Heimstaden sends your invitation
Once you have signed your tenancy agreement, Heimstaden sends you an invitation to Keyhole.
Download the app
Use the link in the invitation and complete the onboarding process.
Continue with your solution
Your Heimstaden invitation will specify one of the following:
Keyhole Guarantee — a paid guarantee
Keyhole Secure — a deposit account
Move in
Once the solution is active, you can move into your home.
WHEN YOUR TENANCY ENDS
What happens when you move out?
When the tenancy ends:
✅ Heimstaden carries out the move-out inspection.
✅ Heimstaden registers the end of the tenancy in the system.
✅ Your guarantee or deposit account is closed through Keyhole.
This may take up to five business days after the move-out inspection. Any final settlement is handled through Keyhole.
DEPOSIT SUPPORT FROM NAV
Is NAV paying your deposit?
If NAV is paying your deposit, you can use Keyhole Secure. Follow the arrangement agreed with NAV and Heimstaden.
How it works:
1️⃣
You receive the account details during onboarding. These can be sent to NAV for payment.
2️⃣
We also provide a PDF form that can be used as documentation.
3️⃣
In some cases, NAV pays the deposit directly to you. You then transfer the amount to Keyhole Secure and send the receipt to NAV.
The process may vary between municipalities.
Common questions
If you cannot use the app, you can still complete the onboarding process. Contact Keyhole customer service and we will send you a web link so you can complete it in your browser.
Only Heimstaden can close Keyhole Guarantee. This happens after the move-out inspection has been completed, and it may take up to five business days for the closure to be registered in the system.
If everything is in order, there are no unpaid claims and the guarantee is closed before the 14th of the month, the premium for the current month will be refunded.
Keyhole Guarantee
The premium is charged automatically on the first day of each month using the payment method you registered during onboarding.
You can pay with:
- Payment card
- Vipps
- Apple Pay
Keyhole Secure
Your account details are shown during onboarding. You can view your deposit and any interest earned in your Keyhole profile.
NEED HELP?
Find the right place to ask
Contact Keyhole
Contact Keyhole customer service if you have problems with onboarding or need help with your Keyhole solution.
Contact Heimstaden
Contact Heimstaden if your question is about your home, tenancy agreement or other parts of your tenancy.