Need a mortgage in Luxembourg to finance your home?

Make an appointment with your bank advisor to assess your financial position. Your income, savings and personal situation will determine your borrowing capacity.

The response time depends on the urgency and complexity of your project. We’ll do our very best to stick to your schedule.

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.

Yes, you can take out a mortgage together without being married.

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.

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.

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.