In Luxembourg, residents are borrowing more and more to invest in property. In a context where interest rates remain low, future homeowners are not hesitating to take out a larger property loan to buy their house or flat. Residents [...]
Mortgage
How to find a mortgage quickly?
Analysing the different contracts, looking for the best rate... studying different mortgage offers is time-consuming, but necessary. Do you have neither the time nor the skills to do this work? It is possible to find a mortgage quickly by using a broker and preparing your file in advance. Doing [...]
Property loan: how much can I borrow?
The first step when planning to buy a house is to use a credit simulator to calculate your ability to repay. Although this may differ considerably depending on the bank chosen, some rules remain unchanged. What is the debt ratio? It is generally estimated that a person can borrow up to 1/3 of their income. The debt ratio [...]
What are the advantages of using a broker?
Buying a property is always an important moment in one's life. And being accompanied in the process of dealing with the banks is a precious help, especially for the uninitiated. In the jungle of interest rates, a mortgage broker is a valuable ally! The advantages of a mortgage broker You will [...]
What is a mortgage broker?
While using a mortgage broker is very common in other countries, particularly in the United Kingdom, the European champions, or even among our French and German neighbours, in the Grand Duchy this practice has not yet become part of residents' habits. However, since 2012 there has been a real evolution in the brokerage market [...].
atHomeFinance : find your home loan
To accompany you even further in your real estate project, atHome.lu offers you a new real estate credit brokerage service: atHomeFinance. atHomeFinance: experts to find your loan Because the search for a property is often linked to the search for a real estate loan, atHome.lu completes its offer to make it easier for everyone to become a [...]
Good advice for financing your property
Taking out a mortgage is one of the most important steps in the process of becoming a homeowner. What are the requirements for financing a property and how do you go about it? Here are some tips to help you in your dealings with financial and public institutions. Taking care of your borrowing profile This means presenting a clear picture of your financial situation.
Bridging loans: to buy before selling
Are you no longer happy in your current home? Do you want to move to a new home or a new location? If you want to carry out your new real estate project without having to wait for the sale of your current house or flat, a bridging loan could certainly be a solution for you. What is a bridging loan? A bridging loan or bridge loan is a [...]
Fixed or variable rate mortgage?
Choosing between a fixed-rate mortgage or a variable-rate loan requires particular vigilance because, depending on the formula chosen, the monthly payments can vary greatly. The rate chosen determines the financial burden that the borrower will have to bear through the amount of interest to be paid.