Mortgage
Documents and steps to apply for a mortgage
BetaThis tool is still being refined. Treat results as guidance, not a binding financial assessment.
This tool uses Luxembourg transactions, rules and rates. It can't give a reliable answer for a property in France, Belgium or Germany, so we'd rather say so than show you a number that looks right.
Everything you need to know about getting a mortgage in Luxembourg — from application to renegotiation.
Application
Gather documents, submit your file to the bank, receive preliminary offer
Approval
Bank assesses your profile, credit check, property valuation
Fixing Period
Payments follow the fixed, variable, or mixed terms you agreed
Renegotiation
Before a reset or change, compare written offers, fees, and risks
Your Options
Continue, refinance, transfer, or prepay subject to contract and approval
Application
Gather documents, submit your file to the bank, receive preliminary offer
Approval
Bank assesses your profile, credit check, property valuation
Fixing Period
Payments follow the fixed, variable, or mixed terms you agreed
Renegotiation
Before a reset or change, compare written offers, fees, and risks
Your Options
Continue, refinance, transfer, or prepay subject to contract and approval
Fixed rate: the borrowing rate stays unchanged for the agreed fixed period. Variable rate: it changes under the formula in the contract. Mixed structures are also possible.
No structure is always cheaper. Compare each personalised European Standardised Information Sheet (ESIS), including the APRC, fees, reset rules, and early-repayment terms.
Official sources
This information is for educational purposes only. Always consult a qualified advisor for personalised advice.
Required for everyone
Salaried employees
First-time buyers