Personalised support for your real estate project
Need a mortgage in Luxembourg to finance your home?
Looking to finance your home in Luxembourg with a mortgage? Our experts can offer you a mortgage tailored to your budget and goals. Discover our full range of real estate loans and mortgage rates.
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A tailored mortgage plan
By trusting BGL BNP Paribas’ real estate experts, you’ll give yourself the best chance to make your dreams come true.
Our specialists are there to help you find the perfect structure for your loan, in line with your plans as well as your personal and financial situation.
- complete range of products offering multiple combinations;
- fixed, variable or adjustable interest rates:
- a fixed rate guarantees identical monthly payments over the term of the loan;
- a variable rate that moves in line with the market and allows for early repayment with no additional fees;
- an adjustable fixed rate combines security and flexibility.
- Choice of repayment schedule: up to 30 years;
- linear repayment (principal + interest) of the loan or bridge loan while you wait to sell your existing home.
In practice
Emma and Arthur want to buy their first apartment. Before starting their property search, they decide to asses their borrowing capacity online. During their search, they use the mortgage simulator to calculate their repayments. Having found their dream home, they contact their advisor to get a tailored solution.
Plan how you will finance your home with complete peace of mind
View our video tips
Already a client? See the Loan on your Web Banking page to find out your borrowing capacity. You can apply for a home loan online once you have a specific project. 100% secure.
Estimate your borrowing capacity for a future project
Get an agreement in principle(1)
Apply for a loan online from the comfort of your own home
A home loan can be used to finance a property in Luxembourg and the Greater Region.
Key features:
- financing for a maximum of 90% (100% on certain conditions) of the purchase price (excluding ancillary costs) depending on your borrowing capacity;
- repayment term of between 1 and 30 years, depending on your age when the loan is taken out;
- possibility of a fixed or variable-rate loan, or a mixture of the two;
- fixed or gradually rising monthly repayments;
- you can choose the monthly payment date that best suits you;
- you can choose the date on which the funds are made available (except for a fixed-rate loan).
How to apply for a loan online via the Web Banking app:
- go to the “Products” tab and select “home loan”;
- select the “get an agreement in principle” option;
- set your goals
- enter your information
- calculate and adapt your borrowing capacity and amount based on your needs;
- configure your loan
- send your supporting documents.
Quick and easy, in a few simple steps. Find out more.
For more complex projects, including bridging loans, please contact your adviser.
Frequently asked questions about mortgages
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How can I take out a mortgage?Make an appointment with your bank advisor to assess your financial position. Your income, savings and personal situation will determine your borrowing capacity.
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What’s the waiting period for a response to my mortgage application?
The response time depends on the urgency and complexity of your project. We’ll do our very best to stick to your schedule.
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Can I repay my loan early or repay more than the set monthly instalment without penalties?
The loan can be repaid early at any time. Fees apply under cerain conditions. If you’ve chosen a fixed rate loan, you may be required to pay break fees (early repayment penalties). The variable rate provides greater repayment flexibility.
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We’re not married: Can we take out a loan together?
Yes, you can take out a mortgage together without being married.
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What assistance can I receive?
The state grants capital or interest assistance to adult individuals who take out a loan for the purpose of purchasing, renovating, converting or building. This can be for an apartment, land or a house. Certain conditions must be met in order to receive this assistance, in particular relating to income and the property’s surface area.
The state has also set up green loan options. These grant access to preferential loan terms for home energy retrofits.
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What tax deductions am I entitled to?
Debit interest on mortgages is tax deductible. Various caps are applied depending on the purpose of the loan:
- Rental investment
- Primary residence,
- Secondary residence.
Tax deductibility varies based on the personal situation of each client and is subject to change.
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At what age can I start a home savings plan?
You must be 18 or over to benefit from a home savings scheme. Then, in terms of tax deductions, households with one member aged 40 or younger will see their tax deduction limit doubled.
Documents to download ()
(1) Subject to approval of your application by the bank.
See also
