You benefit from the best conditions thanks to our privileged agreements with banks.

Our experts will provide you with personalised support and advice throughout the process.

You save time with a single, fast and flexible contact.

The interest rate is the percentage charged on the amount you borrow.

It determines the cost of your loan and the total amount you will repay over time.

Le taux d'intérêt est un taux qui permet de calculer les intérêts d'un emprunt.

Yes, there are 2 types of rate:

A fixed-rate mortgage has an interest rate that remains unchanged throughout the loan term. This gives you predictable monthly repayments, although the interest rate is usually slightly higher than that of a variable-rate mortgage.

A variable-rate mortgage has an interest rate that may increase or decrease during the loan term, depending on changes in the reference index specified in the mortgage agreement.

A variable-rate mortgage has an interest rate that may increase or decrease during the loan term, depending on changes in the reference index specified in the mortgage agreement.

This is the sum that the future owner is prepared to inject on his own or that the bank may require, in which case it will be a criterion for validating the loan.

The outstanding balance is the amount of your mortgage that remains to be repaid after your monthly repayments have been deducted. It represents the remaining principal you still owe to the lender.

It is the maximum amount a potential borrower can obtain from a credit institution based on their income.

To secure the best possible mortgage rate, it is essential to compare offers from several banks. A mortgage broker helps you assess different options and negotiate competitive financing terms on your behalf. Your financial profile, including your income, down payment and employment stability, also plays an important role in determining the interest rate you are offered. In general, the stronger your application, the more favourable the mortgage terms you may be able to obtain.

Yes, loan refinancing is available in Luxembourg. It may help you secure a lower interest rate, reduce your monthly repayments or shorten your loan term. A mortgage broker can assess your situation and advise you on the best option, free of charge.

When buying property in Luxembourg, expect the following fees:

• Notary fees (around 7% of the purchase price);
• Registration fees;
• Bank application fees;
• Borrower insurance costs.

A good estimate of these costs is essential to avoid surprises at signing.

Luxembourg offers:

• Tax credit (Bëllegen Akt) of €40,000 per person;
• Acquisition bonus aid;
• Interest subsidy;
• State guarantee for young households;
• Fonds du Logement and SNHBM for affordable housing.

The available assistance depends on your income and the type of property you are purchasing. A mortgage broker can help you determine your eligibility and assist you with your application.

Yes, renegotiating your mortgage is a smart option if rates have dropped since you signed your contract. It can reduce your monthly payments, shorten the loan term, or adjust your conditions. Two options exist: renegotiation with your current bank or refinancing through another institution. A broker can analyze your situation and simulate potential savings.

Yes, several options exist to finance renovation, expansion, or energy efficiency improvements:

• Standard renovation loan;
• Personal loan dedicated to works;
• Extension of your existing mortgage;
• Green loan or reduced-rate loan (for energy renovations).

A mortgage broker can help you find the solution that best suits your needs, taking into account the cost, the type of work and your long-term goals.