PROPERTY FINANCING
Guide to mortgages in Luxembourg
Have a property project in mind? Prêt Immo supports you in the search for your financing and the comparison of bank offers. Discover our support for your mortgage in Luxembourg.
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The mortgage
Understanding property financing
A mortgage finances the purchase of a main residence, a second home or a buy-to-let investment. The financing terms vary according to your profile, your deposit and the type of property project.
Calculating your borrowing capacity allows you to set a realistic budget before starting your property search.
Calculating your borrowing capacity allows you to set a realistic budget before starting your property search.
PROPERTY FINANCING
How does a mortgage work?
A mortgage finances the purchase of a main residence, a second home or a buy-to-let investment. The amount granted depends mainly on your financial situation, your income, your outgoings and your borrowing capacity.
Before starting your property search, we recommend obtaining an estimate of your borrowing capacity in order to set a budget that fits your project.
Before starting your property search, we recommend obtaining an estimate of your borrowing capacity in order to set a budget that fits your project.
Banks also look at several factors such as:
- job stability,
- the personal deposit,
- the disposable income left over,
- and the term of the financing.
TYPES OF FINANCING
Solutions tailored to your project
Main residence
Financing a main residence may, in certain cases, qualify for 100% financing, particularly for some first-time buyers.
Buy-to-let investment
A buy-to-let loan has specific conditions depending on the type of property and the wealth-building plan.
Construction & works
Construction or renovation projects can be financed with a home improvement loan, under the terms offered by our partner banks.
Mortgage rates in Luxembourg
Solutions tailored to your project
Fixed rate
From 3.24%
Variable rate
From 2.85%
Indicative rates depending on profile and loan term. Last updated May 2026.
WHY PRET IMMO
Why use a mortgage broker?
Using a broker saves you time, gives you personalised support and opens access to solutions suited to your property project.
Time saved
We simplify your paperwork and bring together all your dealings with our partner banks.
Money saved
We put the banks in competition with one another to find the best financing terms.
Support
A single point of contact guides you through your financing assessment and the whole process.
FREQUENTLY ASKED QUESTIONS
Your questions about mortgages
Can a property be financed at 100%?
Yes, some banks may offer 100% financing depending on your situation and your property project, particularly for a first purchase.
What is the difference between a fixed and a variable rate?
A fixed rate keeps the same monthly repayment for the entire term of the loan, whereas a variable rate changes with market conditions.
What is a reviewable fixed rate?
A reviewable fixed rate combines a fixed-rate period with a possible review at the end of that period depending on market conditions.
When should a financing assessment be started?
We recommend carrying out a financing assessment before starting your property search, so that you know your budget precisely.
Let's talk about your property project
Book an appointment with a Pret Immo adviser to obtain a personalised financing assessment and move forward with confidence in your property project.