Fixed-Income Debt Token · Norwegian Real Estate · EU-Regulated
Invest in a Fully Secured Norwegian Real Estate Loan
Earn 10% annual interest through a real estate investment secured by a registered first-priority mortgage over land in Norway.
Your investment is protected by mortgage security registered under Norwegian law and in the Land Registry before funds are released to the project.
Østbo AS, a Norwegian legal entity, is developing 43 sustainable small houses in Halden, Norway — 100 km south of Oslo on the E6 motorway corridor near the Swedish border. The project operates under a municipal referral agreement with Halden municipality, securing preferential Norwegian State Housing Bank financing unavailable to the general market.• 10% Annual Interest Paid Quarterly
• First-Priority Mortgage Security
• 100% of all Residential Units Already Pre-Sold
• Completion and delivery of houses Q4 2027
• Asset-Backed Structure
• Fixed-Term Investment
• Professional European Investors
• Norwegian Real Estate Development
Minimum investment: EUR 50,000
Why This Bond is De-Risked
The Issuer Has Already Done the Hard Work. This is not early-stage development financing. The project is in final-stage execution — 100% of units are already contracted to institutional and municipal buyers. You are providing completion capital into a largely de-risked, contractually committed revenue stream. This is execution and delivery — not speculation.
Market Risk
Minimal. 100% of revenue is contractually locked in with institutional buyers before bond maturity.
Regulatory Risk
None. All municipal approvals, building permits, and planning consents are fully in place.
Construction Risk
Low. Final-stage delivery. First 8 units already handed over in 2025. Proven team on-site daily.
Concept Risk
Token holders receive interest income automatically, creating a predictable and steady passive earnings flow.
Norwegian state Housbank
Municipal agreement secures Norwegian State Housing Bank financing at below-market rates — a structural cost advantage unavailable to standard developers.
First-Priority Mortgage Security
Both tranches share equal priority (pari passu) and are secured by the same first-priority mortgage over the land, registered in the Norwegian Land Registry (Kartverket) by Østbo MD.
Investment Rationale
Why choose Norway and a Norwegian Bond
10% Fixed Annual Return — Paid Quarterly
In an environment where quality fixed-income yield is scarce, the Østbo bond delivers 10% per annum — paid as predictable quarterly instalments of 2.5%, with your full principal returned at maturity. No guesswork. No performance dependency.
Strong Revenue Visibility
With 100% of units already sold to institutional buyers, the project's cash inflow is contractually committed. This is execution capital — not speculative development funding. The revenue underpinning bond repayment is largely already locked in.
First-Priority Mortgage Security
Both tranches share equal priority (pari passu) and are secured by the same first-priority mortgage over the land. Registered in the Norwegian Land Registry (Kartverket) by Østbo MD.
Norway's AAA Market
The underlying project is in Norway — a AAA-rated sovereign economy with a $1.7 trillion oil fund, robust rule of law, and one of the world's most stable property markets. Systemic risk is as low as it gets in real estate development.
EU-Regulated Structure
Tokens are issued by an EU-domiciled Lithuanian LLC under a bond-linked structure. Investors benefit from EU legal protections, transparent bond terms with defined repayment obligations, and full KYC/AML compliance via Tokenizer.Estate.
Low Entry, Global Access
Start from a single token at €1,000. Available to qualified investors in the Middle East, Europe, and globally — no Norwegian bank account or local presence required. Payments and interest in EUR.
Risk Assessment
Project B5/B6 is structured to minimise investor risk. The following is an assessment of relevant risk factors and corresponding mitigating measures.
Secure Returns from Pre-Sold Development
The Østbo Debt Token offers investors a conservative fixed-income exposure, backed by a fully contracted residential development
100%
Pre-Sold
10%
Annual Interest
Paid quarterly
18
Month Tenor
With 3+3 month extension options
€4M
First Tranche Issuance.
Total 2 Tranches
Why Investors Trust This Structure
The investment has been structured to prioritize investor protection.
Every investor receives access to the investment memorandum and supporting documentation before subscribing.
- First-priority mortgage security
- Security registered before capital deployment
- Asset-backed real estate project
- Quarterly interest payments
- Professional legal documentation
- Norwegian jurisdiction
- Independent mortgage registration
- Transparent investment structure
Why Investors Choose Østbo
Most high-yield opportunities require investors to accept substantial risk. Østbo's investment structure is different. The investment is secured by a registered first-priority mortgage over Norwegian real estate. Security is established before investor funds are released. This structure provides investors with security comparable to senior real estate lending while delivering an annual return of 10%. The opportunity is designed for investors seeking both capital protection and attractive returns.
100% of all units pre sold (43 units)
Every one of the 43 residential units is already pre-sold, removing sales and market risk before you invest.
The project has a binding purchase agreement
The project is covered by a binding purchase agreement, locking in the buyer and the exit.
Buyer financing is confirmed through the Norwegian Housing Bank
Buyer financing is confirmed through the Norwegian State Housing Bank (Husbanken).
Interest is paid quarterly
10% per annum delivered as predictable quarterly instalments.
Mortgage security is registered under Norwegian law
A first-priority mortgage is registered under Norwegian law before any investor funds are released.
The investment is backed by a real development asset
The investment is backed by a real residential development asset in Halden, Norway.
Investor Dashboard
Follow your investment and transaction every step of the way. Invest using credit card, pay pal, bank transfer, blockchain wallet and many more payment options from wherever in the world.
How Your Investment Is Secured
Security is the foundation of this investment.
First-Priority Mortgage
Investor capital is secured by a registered first-priority mortgage over the project land.
Registered Before Disbursement
Funds are not released until the mortgage has been formally registered in the Norwegian Land Registry. Investor capital is invested through the fully regulated Lithuanian entity Østbo MD, a Lithuanian special purpose company regulated by the Bank of Lithuania, established for the investment structure. Østbo MD acts as the creditor to Østbo AS and holds the mortgage security on behalf of investors.
Asset-Backed Structure
The investment is backed by a real residential development project in Halden, Norway.
Defined Repayment Source
The completed project is intended to be transferred to an agreed buyer with documented financing.
Professional Legal Documentation
The investment is governed by subscription agreements, mortgage documentation and Norwegian law.
This is not an unsecured loan. Security is established before capital is deployed.
Your Return — Per Investment
- Minimum Investment
- EUR 50,000 (50 × €1,000)
- Security
- First-Priority Mortgage
- Quarterly Interest
- €1,250 per quarter
- Annual Interest
- €5,000 per year (10%)
- Interest Type
- Fixed — unconditional
- Repayment Type
- Bullet at Maturity
- Principal Returned
- €50,000 at Maturity
- Payment Automation
- Smart Contract
Example: €50,000 Investment (50 Tokens)
- Annual interest received
- €5,000
- Per quarter
- €1,250 Paid Quarterly
- Principal returned at maturity
- €50,000
Team
A dedicated team of experts building a transparent and accessible future for real-estate investing.
Former analyst at Orkla Group and Pareto Securities. Since 2018 focused entirely on residential development in Vestfold and Østfold. Day-to-day project leader.
Sandvold family active in Norwegian real estate since 2000 primarily in Stavanger. Provides strategic oversight and the principal capital backing behind the project.
Has led delivery of major public buildings and residential complexes. Central operational role in Habitat Bolig and Østbo AS.
Former experience at Thommessen (Norway's top-tier law firm). Adviser on multiple major Norwegian real estate transactions. Legal oversight for all Østbo AS bond obligations.
Manages the Halden site daily — responsible for construction quality, schedule adherence, and budget discipline across all building phases.
Daily on-site supervision of all trades, quality control, and progress tracking for the Halden project.
Contact us
Have questions about tokenized real estate, platform features, or your investment options? Send us a message — our team will get back to you shortly with clear and helpful guidance. You can also contact us directly via WhatsApp and Telegram: