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 % (from 5 % with ALTUM guarantee)
  • Loan period up to 30 years
  • Salary transfer to Luminor not required

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 loan
Discount for Consumer loan
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 any Consumer loan purpose, excluding Green car loan

 

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
Total repayment amount: € 9792.6
Monthly installment: € 162.21
Annual percentage rate (APR): 8.58 % 

 

Free free Loan repayment pause
Loan repayment pause
Significantly reduce your monthly loan payments by only paying interest on your loan for up...

to 6 months after signing the agreement.

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Pause principal loan repayments and pay interest only for up to 6 months after signing the agreement

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.

More details
  • 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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Offers from cooperation partners
Special offer until 29.04.2022* partner Fiqsy VW Crafter cargo bus rent
Fiqsy VW Crafter cargo bus rent
Use the Luminor special offer Fiqsy VW Crafter cargo bus rent for move to be convenient and...

beneficial!

More details

*Only until 29.04.2022 – obtain a mortgage loan and receive a 35 % discount on Fiqsy minute and kilometre rent tariff for the rent of cargo bus.

  • After signing the mortgage loan agreement, you will receive a discount code and information on use of the offer.
  • Discount code can be used once (by one user) not later than by 29.04.2022.
  • Fiqsy mobile app will be necessary to use the service.
  • VW Crafter cargo buses are only available in Riga (trips outside of Riga are possible).
  • More information here.
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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