Mortgage Loan | Luminor
Mortgage Loan

With our mortgage loan, you’re closer to making your new home a reality. Whether you’re buying, building or renovating a house or flat, let us make it happen.

The benefits of choosing mortgage loan

Our simple, responsible way to borrow

1

Calculate

Our calculator will help you evaluate what you can afford.

2

Check real estate offers

Before you decide on your new home, check out our offers at „Luminor Būstas“.

3

Apply

Fill-in the application form via the mobile or Internet bank.

4

We will contact you

We will inform you and tell you how much you can borrow.

You will need the following documents:

  • ID or passport
  • If you plan to take a mortgage loan with a life partner, invite them to come with you
  • We will let you know during the meeting if we require further documents

Useful links

Pricelist
Mortgage loan conditions
Guide to purchasing a flat or house (in Lithuanian)
How to borrow responsibly Real estate (in Lithuanian)
Property assessors
Insurance companies
Early repayment calculator (in Lithuanian)
Rules on Granting Loans with Real Estate Pledge (in Lithuanian)

Your new home is closer than you think

You might also be interested in: Programme for Young FamiliesCredit CardsConsumer LoanHome Insurance, Mortgage Life Insurance

Important! 
Your mortgage loan is guaranteed against your home. Your home may be repossessed if you do not keep up with repayments.
Sample calculation of total charge of credit
If the Bank grants a mortgage-backed credit of EUR 51,000 for a period of 20 years, you’ll have to pay the total amount of EUR 63,469, where EUR 263 is a monthly installment, the number of installments is 240, and a 2.29 % annual percentage rate of charge is applicable to the credit. The calculation is based on the following assumptions: variable interest rate, 2.20 % average annual interest rate over the effective period of a credit agreement, annuity repayment method, EUR 153 up-front fee, and EUR 230 other costs related to collateral pledge. Pledged collateral must be insured. Pledged collateral valuation and insurance costs are not known to the Bank therefore are excluded from the annual percentage rate of charge.