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

Luminor

Standard Home Loan

Luminor Standard Home Loan
  • Down payment from 15 %
  • Loan period up to 30 years
  • Favorable home loan conditions on energy efficient homes

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 when choosing floating rate

Flexibility to pause loan repayment for 3 months in a 3-year period

Special offers from our partners

Personalize your 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
Add benefits to help you with moving into your new home
Free free Loan repayment pause
Loan repayment pause
Lower significantly your monthly loan payments by only paying interest on your loan for the...

first 12 months

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Pause loan repayment and pay interest-only on your loan for the first 12 months to support the transition into your new home

Discount free Consumer loan discount
Consumer loan discount
Get better conditions on a loan to finance renovation, furniture, or other purchases for your...

home

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  • 8 % fixed interest rate (compared to average rate of 10 %)
  • €0 contract fee (compared to standard contract fee of 1.50 % of loan amount, minimum €60)

 

Typical example: loan amount of €9,000, loan maturity 60 months, annual fixed interest rate 10 %, agreement fee €0, minimum monthly bank service fee €1, total amount payable €11,533, monthly installment €191.22, annual percentage rate 10.72 %.

€5.50 monthly paid Luminor Black Card
Luminor Black Card
Get a Luminor Black Card to receive benefits such as free cash withdrawal and travel...

insurance

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  • Free cash withdrawals up to EUR 1000 per month: EUR 600 in Luminor’s ATMs in Baltics and Medus ATMs in Lithuania and EUR 400 per in any ATMs around the world
  • Extensive travel and baggage insurance for you and your family
  • Apply for credit limit to finance larger purchases

 

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Let Luminor take care of the mandatory requirements
Tailored price for you paid Home insurance
Home insurance
We can take care of the mandatory building insurance and everything related with your...

dwelling residence – home contents, emergency assistance, household traumas, so you don’t need to spend your time on that.

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  • Insurance against fire, water, natural forces, theft, and malicious damage to buildings
  • Covers 1) your own building and home contents, 2) your neighbors’ property (e.g. a leak from your flat), 3) all others (if a member of your family causes damage) 4) personal accidence insurance
  • Choose between All-risk insurance (Premium) option or lower protection options to get the insurance.


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Protect yourself from unexpected situations
Tailored price for you partner Credit Life Insurance
Credit Life Insurance
Protect your family by ensuring they have support to pay back the loan if due to sickness,...

accident, or natural processes you became a person with permanent disability, or your life ends

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  • Insurance that pays out a defined sum to repay the outstanding mortgage amount in case of the death of the insured person during the lifetime of the loan.
  • Option to add coverage against loss of working capacity (permanent disability).
  • Product available for main borrower and your co-borrower.


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Tailored price for you partner Loan payment insurance
Loan payment insurance
If you’re unable to work due to lasting sickness, accident or unemployment, this insurance...

will cover your loan payments

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  • Receive monthly compensation directly to your bank account up to 11 months even if social guarantees are provided from the state.
  • Help to keep your usual standard of living and personal budget in tough times.
  • Option to choose protection levels based on your needs (from €100 per month).


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Tailored price for you free Long term variable interest rate set for a period of up to 5 years
Long term variable interest rate set for a period of up to 5 years
Keep the same interest rate during the first period up to 5 years to make sure you don’t...

have to worry about a rising EURIBOR rate

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  • No dependence on fluctuations in EURIBOR.
  • At the end of the fixed period of up to 5 years your payments will be calculated based on floating interest rate. You will also have an opportunity to apply for new long term variable interest rate
I’m interested in getting a tailored offer for:

Luminor Standard Home Loan

I’m interested in getting a tailored offer for:

Luminor Standard Home Loan

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Typical example of a housing loan

If the loan amount is EUR 110,000, the variable annual interest rate is 5.57 %, a one-off agreement fee is EUR 550, the contract duration is 25 years, the monthly account maintenance fee is EUR 1.30, the mortgage registration fee for SE Centre of Registers is EUR 8.60, and 300 repayments are made by annuity, then the monthly payment will be EUR 679, the total amount paid by the borrower – EUR 204,111.04 and annual percentage rate of charge (APR) – 5.79 %.
Pledged collateral must be insured. Notary fees, real estate evaluation and insurance costs are not known to the bank and therefore are not included in the annual percentage rate of charge. Your loan is guaranteed against your home. Your home may be repossessed if you do not keep up with repayments.

If a credit agreement is concluded in foreign currency, i.e. a credit is granted to a customer in a currency other than their income or the assets from which the credit is to be repaid, or in a currency other than that of the customer’s state of residence (the EU Member State), the change of the foreign currency compared to euro may significantly increase the amount of the credit and monthly payments.