What should I prepare for the bank?
Check how we calculateMethod, assumptions, sources and common questions
How this tool works
Preparing Your Mortgage Application in Luxembourg
Documents and steps to apply for a mortgage
Beta · This tool is still being refined. Treat results as guidance, not a binding financial assessment.
Key points in 30 seconds
Gather the documents for your mortgage file, and check the financing condition in your sale agreement.
Assumptions, limits & sources
Your documents
Lender checklists vary. Use the lender's written checklist as the list you follow, and keep a copy of everything you send.
The property file
Keep the sale agreement and the property documents in the same file, so every lender sees the same version.
Financing condition in the sale agreement
Put a written financing condition in the sale agreement. Name the loan amount, the rate limit and the deadline.
Questions & examples
How long does mortgage approval take in Luxembourg?
The calculator does not estimate approval time. It depends on the lender, so ask each lender for its timeline in writing.
What happens if the bank refuses my mortgage application?
Keep every written refusal, and check the deadline and terms of the financing condition in your sale agreement.