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TYPES OF RATE

Fixed, variable and reviewable rates

The choice between a fixed rate, a variable rate and a reviewable fixed rate depends mainly on your property project and your financing strategy.
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types de taux

TYPES OF RATE

Understanding the various financing solutions

With a mortgage, several types of rate may be offered depending on your situation and market conditions.

Each solution has its own specifics, depending on:
  • the term of the financing,
  • the bank terms,
  • the outlook for rates,
  • as well as your property project.

A personalised assessment allows you to examine the solution suited to your situation.

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Mortgage rates in Luxembourg

Solutions tailored to your project

Fixed rate

From 3.58%

Variable rate

From 3.10%

Indicative rates depending on profile and loan term. Last updated July 2026.
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FIXED RATE

The fixed rate

A fixed rate keeps the same monthly repayments for the whole term of the financing, under the conditions set out in the agreement.

This solution is mainly chosen for:
  • the stability of the monthly repayments,
  • clarity on the overall cost of the financing,
  • and the security of the property budget.

VARIABLE RATE

The variable rate

A variable rate moves with market conditions and can go up or down during the term of the financing.

This solution can open up certain opportunities depending on how rates move and the financing strategy chosen.
  • Changing monthly repayments,
  • opportunities depending on the market,
  • more flexible financing
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taux fixe révisable

Reviewable fixed rate

The reviewable fixed rate

A reviewable fixed rate combines a period of stability with a possible review at the end of that period, under the conditions set out in the loan agreement.

This solution may be considered depending on:
  • the duration of the project,
  • the outlook for rates,
  • and the financing strategy envisaged.

HOW TO CHOOSE?

Which solution should you choose?

The choice of rate type depends mainly on:
  • your financial situation,
  • the term of the financing,
  • your property project,
  • as well as your wealth-building strategy.
A financing assessment allows you to examine the solutions suited to your profile and to market conditions.

FREQUENTLY ASKED QUESTIONS

Your questions about types of rate

What is the difference between a fixed and a variable rate?

A fixed rate keeps the monthly repayments stable, whereas a variable rate moves with market conditions.

A reviewable fixed rate combines a fixed period with a possible review at the end of that period.

The choice depends mainly on your property project, your financial situation and your financing strategy.

A broker supports you in examining the financing solutions and choosing the type of rate suited to your property project.

SUPPORT FROM PRET IMMO

Why use a mortgage broker?

Pret Immo supports you in analysing your property project and helps you compare the various financing solutions according to your situation.

We help you to:
  • understand the different types of rate,
  • analyse the terms on offer,
  • compare the bank solutions,
  • and choose the solution suited to your property project.
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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.
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