In September 2026, mortgage rates stand at 3.70 % for a fixed-rate mortgage of 1 to 3 years, 3.75 % for 5 years, 3.95 % for a 10-year term and 4.15 % for a 30-year term. The variable rate is 3 %. However, the rate offered by a bank depends on your circumstances and […]
Financing
Property tax measures extended to 30 June 2025
The property market in Luxembourg has been given a further boost. Announced on 13 December 2024 by Prime Minister Luc Frieden, several major tax measures that were due to expire at the end of 2024 have been extended until 30 June 2025. Extended measures: the key points What does this mean in practical terms? Attention, last chance [...]
ECB cuts rates for the first time in 5 years
The European Central Bank (ECB) has surprised the markets by announcing a cut in its key interest rates for the first time since 2019. This decision marks a major turning point in the institution's monetary policy. Why this rate cut? Since July 2022, the ECB had pursued a policy of aggressively raising interest rates [...].
Exceptional assistance for property purchases in 2024
The Luxembourg government has just announced new incentives for buyers and investors in 2024. These measures are... Here is a breakdown of the assistance you can benefit from for the purchase of a principal residence or as part of an inv For buyers of a principal residence Examples of amounts recoverable: To deduct interest on [...]
What financial assistance is available to renovate your home?
Improving your home involves a number of risks, not least financial. Keep a close eye on your expenditure to avoid overspending, and don't overlook the many government grants available. There are three types of aid for renovation: direct capital grants, sustainable housing grants and indirect grants in the form of tax breaks. Grants [...]
Got a mortgage coming up? Save on your Outstanding Balance Insurance!
When you buy a property and need to finance it, the bank will certainly recommend that you take out an insurance policy to protect yourself in the event of the death of one of the borrowers. This is known as outstanding balance insurance (ASRD). What is outstanding balance insurance?
How to renegotiate your home loan?
Would you like to reduce the monthly repayments on your mortgage? We'll explain how in this article. Loan renegotiation: what is it? Loan renegotiation involves reviewing the repayment terms of your mortgage with your bank. The aim is to obtain new borrowing terms. The [...]
Making a success of your real estate project in the face of soaring interest rates
1.8%, 1.9% or even 2% on a 30 year fixed rate... Luxembourg borrowers are facing a surge in property loan rates. But what impact will this have on your project? We explain and detail the measures taken by Luxembourg banks to keep your project feasible. Why are interest rates rising?
How to save on your mortgage?
You are actively researching in Luxembourg, you know how much you can borrow for your property purchase, you may even have already consulted your bank about it... Did you know that you can save tens of thousands of euros on your property loan? Here's how: 1. Property loans: all those costs you can optimise [...]