Build your personalized home loan

Choose as many additional benefits as you want on top of our standard offering
Get a tailored offer from our mortgage experts, who will help you find the best solution for you
Change your selection whenever you want – you have not committed to anything before signing the contract
Favorable mortgage loan conditions on energy efficient housing

Standard offer

Luminor

Standard Home Loan

Luminor Standard Home Loan

Down payment from 15 % (from 5 % with ALTUM guarantee)
Loan period up to 30 years

Additional benefits included for free:

Get personal advice from a dedicated expert throughout your entire loan process

Pay extra, or repay the full amount, whenever you want without any costs

Throughout the performance of the agreement, it is possible to postpone the principal payment for one month in a one-year period, without further explanation or documentation

Personalize your loan

Choose as many additional benefits as you want on top of our standard offering
Get a tailored offer from our mortgage experts, who will help you find the best solution for you
Change your selection whenever you want – you have not committed to anything before signing the contract

Let Luminor take care of the mandatory requirements

Tailored price for you paid Home insurance

Home insurance

We can take care of the mandatory building insurance and everything related with your...

dwelling residence – home contents, relationship with neighbors, emergency assistance, household traumas, so you don’t need to spend your time on that.

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*Only from 29.11.2021. - 16.01.2022. apply for a policy via Luminor webpage and receive it with a 10% discount.

Insurance against fire, water, natural forces, theft, and malicious damage to buildings
Covers 1) your own building and home contents, 2) your neighbors’ property (e.g. a leak from your flat), 3) all others (if your child or another member of your family causes damage) 4) personal accidence insurance
Choose between All-risk insurance (Premium) option or lower protection options to get the insurance that fits your needs

Tailored price for you paid Real estate valuation

Real estate valuation

We will take care of the mandatory valuation of your property, so you don’t have to set it...

up yourself.

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Valuation of your new property is mandatory but can take a long time to set up
No need to spend time on finding / ordering property valuation, let Luminor take care of it for you
Valuation will be provided for free for new development properties from Luminor partners. For other properties there will be a tailored price for you.

Protect yourself from unexpected situations

Tailored price for you partner Borrower’s life insurance

Borrower’s life insurance

Protect your family by ensuring they have support to pay back the loan if due to sickness,...

accident or natural processes you became a person with permanent disability, or your life ends.

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Insurance that pays out a defined sum to repay the outstanding mortgage amount in case of the death of the insured person during the lifetime of the loan
Option to add coverage against loss of working capacity (permanent disability)
Product available for main borrower and your guarantor

Tailored price for you partner Loan payment insurance

Loan payment insurance

If you’re unable to work due to lasting sickness, accident or unemployment, this insurance...

will cover your loan payments.

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Receive monthly compensation directly to your bank account up to 11 months even if social guarantees are provided from the state
Help to keep your usual standard of living and personal budget in tough times
Option to choose protection levels based on your needs (from €100 per month)

5.50 € a month paid Luminor Black Card

Luminor Black Card

Try out our Luminor Black Card to receive benefits such as free cash withdrawal and travel...

insurance.

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Free cash withdrawals up to € 600 per month from Luminor’s ATMs at Baltics and € 400 per month from any ATMs around the world.
Extensive travel and baggage insurance for your family.
Apply for credit limit to finance larger purchases.

Tailored price for you free Fixed interest rate of up to 5 years

Fixed interest rate of up to 5 years

Keep the same interest rate for a period of up to 5 years so you don’t have to worry about...

a rising Euribor rate

More details

No dependence on fluctuations in Euribor.
At the end of the fixed period (up to 5 years) your payments will be calculated based on floating interest rate. You will also have an opportunity to apply for new fixed rate.

I’m interested in getting a tailored offer for:

Luminor Standard Home Loan

I’m interested in getting a tailored offer for:

Luminor Standard Home Loan

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