Check mortgages and liens on a car
FAQ: Liens and mortgages on cars
This is what you should know before buying a used car
✔ Check if the car has a mortgage
✔ See if there are any registered liens
✔ Get updated information directly from the Brønnøysund Registers
✔ Avoid buying a car with hidden financial requirements
✔ Be safer before payment and re-registration
01
What does a car mortgage mean?
A mortgage means that the car can be used as collateral for a loan, often for car loans, leasing or financing.
02
Why should you check your mortgage?
If the car is mortgaged, the bank or financing company may still have rights to the car. If the loan is not paid, they may, in the worst case, demand that the car be sold to cover the claim.
Therefore, mortgages and liens should always be checked before you pay for the car.
03
Can you buy a car with a mortgage?
Yes, but the mortgage must be settled properly before or at the same time as the transaction.
The safest option is to pay the remaining amount directly to the bank or financing company that has a mortgage on the car, and to pay the rest of the purchase price to the seller.
You should never blindly trust that the seller will “fix it later.” Get confirmation of who has a lien on the car, how much is due, and that the lien will be removed after payment.
At Vinsjekk.no you can check whether the car has registered mortgages or liens with updated information from the Brønnøysund Register/Løsøreregisteret.
04
Does the mortgage accurately reflect the outstanding debt?
Not always. A registered lien shows that there is a mortgage or claim related to the car, but it does not necessarily show the exact outstanding debt as of today.
The loan may be partially paid off, recently discharged, or in the process of being written off. Therefore, actual outstanding debt should always be confirmed directly with the bank or finance company that has the mortgage.
At Vinsjekk.no you can check whether the car has registered a mortgage or liens, based on updated information from the Brønnøysund Register/Løsøreregisteret.
Example of factory data and wine check report below
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