Housing loan

Your home – your rules. Create your own housing loan:

Your home – your rules. Create your own housing loan:

  • EUR 0 agreement fee*
  • Full transparency on loan conditions
  • Fast, digital, and all remote application process


*The offer is valid if the mortgage loan application is submitted starting from 2021 08 19 until 2021 09 30

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


Standard Home Loan

  • Down payment from 15 %
  • Loan period up to 30 years
  • Salary transfer to Luminor not required
  • EUR 0 agreement fee – the offer is valid if the housing loan application is submitted starting from 2021 08 19 until 2021 09 30

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

Additional benefits

Loan repayment pause

Consumer loan discount

Luminor Black Card

Home insurance

Mortgage Life Insurance

Loan payment insurance

Up to 5‑year fixed interest rate

The path to your new home

Fill in the application and submit documents online

Receive a call from our advisor to guide you through the next steps

Get a loan offer and introduction to the loan details in a call with our advisor

Sign the mortgage loan agreement remotely for your chosen property

Sign the documents at the notary and register the pledge in the mortgage register

Get the keys for your new home after the bank has transfered the money to the seller

Requirements to apply

  • You are at least 18 years old
  • You have a regular monthly income of at least EUR 500
  • You have a combined monthly income of at least EUR 750 if you apply with a guarantor and you don’t have any dependents

Documents to apply

  • Housing loan application
  • In case you are applying together with co-borrower, we will ask both of you to sign the application
  • Additional documents may be required after the first consultation

Find a property from our partner offers

Useful links

Your new home is closer than you think

See our other products

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Consumer Loan

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Idea Loan

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