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

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
Additional benefits
Discount free Discount for consumer and target loans
Discount for consumer and target loans
If you have signed Mortgage loan agreement from 01.01.2022. to 31.12.2022., you may apply for...

a Customer loan with special conditions.

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  • Fixed annual interest rate – 8%
  • € 0 loan agreement fee
  • Offer is valid from the day of signing mortgage loan agreement for up to 12 months after for consumer loan, car loan, loan for home renovation and property acquisition

 

Representative example:
Loan amount: € 8000
Loan repayment term: 60 months
Fixed annual interest rate: 8 %
Loan agreement fee: € 0
Minimum monthly account maintenance fee: € 1.30
Total repayment amount: € 9810.60
Monthly installment: € 162.21
Annual percentage rate (APR): 8.66 % 

 

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


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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.

More details
  • 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


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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.

More details
  • 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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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.

More details
  • 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.


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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

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  • 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.
Offers from cooperation partners
Offer until 30.12.2022* partner EASYPOT plant subscription
EASYPOT plant subscription
Let the new home be greener! Use Luminor's special offer for purchase of EASYPOT plant...

subscription and gradually fit up your new home using the plant subscription for 6 months.

More details

* Get a mortgage loan from 07.02.2022 to 30.12.2022 and purchase EASYPOT plant subscription for 6 months with great conditions. 

  • After signing the mortgage loan agreement, you will receive a discount code and information on use of the offer.
  • Instead of 6 months, EASYPOT will give subscription for 9 months for just the same price – from 79 €, depending on the chosen delivery type. 
  • Discount code can be used once (by one user) not later than by 30.12.2022.
  • More information here.
Offer valid until 30.09.2022* partner G4S security for your new home
G4S security for your new home
Take care of the security of your new home for a better price Use the Luminor special code...

and receive G4S security service for free for 3 months!  

More details
  • *Apply for a mortgage loan and Luminor Black card from 27.05.2022 to 30.09.2022 and get G4S home security service for the first 3 months free of charge
  • After signing the mortgage and Luminor Black card agreement, you will receive a G4S discount code and information on how to use the offer
  • The G4S discount code can be used once (per user) until 30.09.2022 at the latest.
     
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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