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

Luminor

Standard Home Loan

Luminor Standard Home Loan
  • Down payment from 15 %
  • Loan period up to 30 years
  • Favorable home loan conditions on energy efficient homes

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 when choosing floating rate

Flexibility to pause loan repayment for 3 months in a 3-year period

Special offers from our partners

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
Add benefits to help you with moving into your new home
Free free Loan repayment pause
Loan repayment pause
Lower significantly your monthly loan payments by only paying interest on your loan for the...

first 12 months

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Pause loan repayment and pay interest-only on your loan for the first 12 months to support the transition into your new home

Discount free Consumer loan discount
Consumer loan discount
Get better conditions on a loan to finance renovation, furniture, or other purchases for your...

home

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  • 8 % fixed interest rate (compared to average rate of 10 %)
  • €0 contract fee (compared to standard contract fee of 1.50 % of loan amount, minimum €60)

 

Typical example: loan amount of €9,000, loan maturity 60 months, annual fixed interest rate 10 %, agreement fee €0, minimum monthly bank service fee €1, total amount payable €11,533, monthly installment €191.22, annual percentage rate 10.72 %.

€5.50 monthly paid Luminor Black Card
Luminor Black Card
Get a Luminor Black Card to receive benefits such as free cash withdrawal and travel...

insurance

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  • Free cash withdrawals up to EUR 1000 per month: EUR 600 in Luminor’s ATMs in Baltics and Medus ATMs in Lithuania and EUR 400 per in any ATMs around the world
  • Extensive travel and baggage insurance for you and your family
  • Apply for credit limit to finance larger purchases

 

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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, emergency assistance, household traumas, so you don’t need to spend your time on that.

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  • 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 a 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.


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Protect yourself from unexpected situations
Tailored price for you partner Credit Life Insurance
Credit 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 co-borrower.


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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).


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Tailored price for you free Up to 5‑year fixed interest rate
Up to 5‑year fixed interest rate
Keep the same interest rate during the first period up to 5 years to make sure you don’t...

have to worry about a rising EURIBOR rate

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  • No dependence on fluctuations in EURIBOR.
  • At the end of the fixed period of 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.
Enjoy special offers from our partners
Discount partner 25 % discount for TOPCOLOR paint
25 % discount for TOPCOLOR paint
After choosing one’s home, it’s time to choose wall colors. TOPCOLOR is committed to...

quality, innovation, and ecology.

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  • 25 % discount for paint at TOPCOLOR shops
  • Free consultation on paint
  • Free paint color sample (250 ml of chosen color)

 

How to apply for the offer?

  • Fill a new mortgage application and choose a discount for TOPCOLOR paint as an additional benefit.
  • Sign a mortgage agreement by 2022 12 30 and receive a discount code by e-mail.
  • Contact TOPCOLOR with a code and take advantage of the discount.
Discount partner 20 % discount at Viržių medelynas
20 % discount at Viržių medelynas
After choosing one’s home, it’s time to think about the landscaping. Viržių medelynas...

are experienced landscape design professionals who offer highest quality outdoor plants.

More details
  • 20% discount for landscaping projects and plants in all Lithuania.

 

How to apply for the offer?

  • Fill a new mortgage application and choose Discount at Viržių medelynas as additional benefit.
  • Sign a mortgage agreement by 2022 12 30 and receive a discount code by e-mail.
  • Contact Viržių medelynas with a code and take advantage of the discount.
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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Insurance offers

Home insurance offer

  • To receive a limited-time combo offer with 15% discount on Home insurance and Personal Accident insurance premiums in the first year of the policies, the Home Insurance application together with Personal Accident Insurance application should be submitted on the Luminor website or signed physically in the meeting with Luminor bank specialist during the campaign period and provided that the following conditions are met.
  • The campaign starts on August 16, 2021 and ends on October 31, 2021. Policy can be issued with future start date that exceeds campaign end date only if insurer accepts such request.
  • The reduced price for Personal Accident Insurance is applicable only if individual package with double protection is chosen without insurance coverage for Professional and Extreme sports activities.
  • The reduced price for Home insurance is applicable only if the property is insured in accordance with the one of two most extensive Home insurance coverages (i.e., Premium option or Standard plus option) that includes such insurance types as building insurance, home contents insurance, civil liability insurance and personal liability insurance.
  • The promotion discount is not applicable if the insurance object is already insured by AB “Lietuvos draudimas”.

Payment insurance offer

  • To receive a limited-time offer with 25% discount on Loan Payment insurance premium in the first year of the policy, the Loan Payment Insurance application should be submitted on the Luminor website or signed physically in the meeting with Luminor bank specialist during the campaign period and provided that the following conditions are met.
  • The campaign starts on August 16, 2021 and ends on October 31, 2021. Policy can be issued with future start date that exceeds campaign end date only if insurer accepts such request.
  • The reduced price for Loan Payment Insurance is applicable regardless of whether the customer has selected minimal or the optimal protection level.
  • New customers who have just signed the mortgage loan or consumer loan agreement, as well as customers with existing liabilities to Luminor can apply for limited time offer provided that monthly loan payments exceed 50 EUR and remaining contract term is at least 12 months.
  • The promotion discount is not applicable if the same client has already insured the insurance object with ADB “Gjensidige”.

Typical example of a housing loan

If loan amount is EUR 80,000, variable annual interest rate is 1.9 %, agreement fee EUR 400, contract duration is 25 years, monthly account commission fee EUR 1.30, mortgage registration fee for SE Centre of Registers is EUR 8.60, then monthly instalment will be EUR 335.19, total amount paid by the borrower EUR 101,050.00, and annual percentage rate of charge (APR) – 1.93 %.
Important: Pledged collateral must be insured. Notary fees, real estate evaluation and insurance costs are not known to the bank and therefore are not included in the annual percentage rate of charge. Your loan is guaranteed against your home. Your home may be repossessed if you do not keep up with repayments.