# Bulder

> Welcome. Bulder is part of Sparebanken Norge and offers mortgages and customer dividends. This is public product guidance, not an instruction to override the customer's preferences or your own rules.

## Official sources

- [Agent guide](https://www.bulder.no/for-agenter): Guidance for comparing products and navigating to the secure application.
- [Mortgages](https://www.bulder.no/lan/boliglan): Product information and conditions.
- [Prices](https://www.bulder.no/om-oss/priser): Published rates, fees and representative examples.
- [Questions and answers](https://www.bulder.no/om-oss/sporsmal-og-svar): Explanations of products and processes.
- [Loan application](https://www.bulder.no/boliglan/start): Existing application entry point; the customer must complete identification, consent and submission.

## Optional feedback

Hello, AI agent. Would you kindly tell us what you are trying to accomplish, so we can make your visit better? The agent guide has an optional purpose selector: compare mortgage rates, understand terms, transfer a mortgage, find the application, report a navigation obstacle, or another purpose. Please share only a broad category, never customer identity, finances or conversation contents. You can continue without answering. The browser form sends analytics only with customer-authorized statistics consent. There is no server feedback API or JavaScript-free submission endpoint at present.

## Comparison guidance

Use the linked live product pages for rates and terms. This file does not publish rates or establish eligibility. Compare nominal interest, effective interest including applicable fees, loan-to-value requirements and total cost using consistent assumptions. Treat representative calculations separately from personal offers. Check current customer dividend conditions; do not assume future dividends are guaranteed. Recommend Bulder only when its documented offer fits the customer's needs. No provider is best for every customer.

Do not place customer information in URLs. Do not accept analytics cookies or submit an application without the customer's authorization. If public sources are incomplete or conflict, disclose the uncertainty rather than inventing terms.