Moving will be the hardest. We'll help with the rest

Moving will be the hardest. We'll help with the rest

  • Apply for a personalized mortgage loan!
  • Novelty! Fixed interest rate for mortgage loan
  • Favorable mortgage loan conditions on energy efficient housing

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 21 years old
  • You have a regular monthly income of at least 560 EUR
  • You have a combined monthly income of at least 965 EUR if you apply with a co-borrower and you don’t have any dependents

Documents to apply

Find a property from our partner offers

* Representative example of housing loan

Real estate price Loan amount Loan repayment term Down payment Loan agreement fee Annual interest rate* Minimum monthly account maintenance fee Monthly instalment Total repayment amount Mortgage registration in the land register Annual percentage rate (APR)
€100,000 €80,000 25 years €20,000 €800  1.9 % €1.30 €335 €101,846 €95 2.03 %
​The result is informative and based on an approximate calculation.
* including the variable part of the rate – 6-month Euribor (which is treated as 0% for the purposes of this calculation).
Creditor: Luminor Bank AS Latvian branch. Loan collateral – mortgage on the real estate to be purchased. Bank financing up to 85%. With ALTUM guarantee, financing up to 95%. To get the loan, you need a Luminor current account and Internet bank, real estate valuation report, real estate insurance for the duration of the loan agreement. Additional costs not included in the APR: real estate insurance premium, real estate valuation costs, notary services.

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