Special offer - 0 € loan agreement fee and standard escrow account*

Special offer - 0 € loan agreement fee and standard escrow account*

* Offer is valid if you fill in mortgage loan application from 4 April to 29 May and sign agreement within 3 months after submitting application.

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


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

Additional benefits

Discount for Consumer loan

Loan repayment pause

Home insurance

Real estate valuation

Borrower’s life insurance

Loan payment insurance

Luminor Black Card

Enefit electricity in your new home!

EASYPOT plant subscription

EASYPOT Mystery Jungle box

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 550 EUR
  • You have a combined monthly income of at least 850 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 € 0  1.9 % € 1.30 € 335 € 101 045 € 95 1.96 %

​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.

See our other products

For renovation and property acquisition

Learn more

Consumer Loan

Learn more

Idea Loan

Learn more