Personalize your housing loan to your needs

Personalize your housing loan to your needs

  • Full transparency on loan conditions
  • All remotely and digital
  • Fast application process

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


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

Additional benefits

Consumer loan discount

Loan repayment pause

Home insurance

Real estate valuation

Borrower’s life insurance

Loan payment insurance

Luminor Black Card

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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 500 EUR
  • You have a combined monthly income of at least 850 EUR if you apply with a guarantor and you don’t have any dependents

Documents to apply

Find a property from our partner offers

See our other products

For renovation and property acquisition

Learn more

Consumer Loan

Learn more

Idea Loan

Learn more