{"id":13949,"date":"2026-07-16T15:00:53","date_gmt":"2026-07-16T13:00:53","guid":{"rendered":"https:\/\/www.athome.lu\/blog\/?p=13949"},"modified":"2026-08-03T14:51:57","modified_gmt":"2026-08-03T12:51:57","slug":"buy-property-in-luxembourg","status":"publish","type":"post","link":"https:\/\/www.athome.lu\/blog\/en\/acheter\/acheter-bien-immobilier-luxembourg\/","title":{"rendered":"Buying property in Luxembourg: steps, costs and advice"},"content":{"rendered":"

Buying <\/a>a property in Luxembourg is a major step. To ensure your project is a success, it is essential to set your budget, factor in the costs involved in the purchase and understand the key steps involved. This guide will support you every step of the way so that you can buy your future home with confidence.<\/p>\n\n\n\n

What are the steps involved in buying a property in Luxembourg?<\/h2>\n\n\n\n

Whether you\u2019re a first-time buyer or already a homeowner, buying a property generally follows the same process: set a budget<\/a>, search for a property<\/a>, arrange viewings, make an offer, sign a preliminary sales agreement, finalise its funding<\/a> and then sign the notarised deed at the notary\u2019s office.<\/p>\n\n\n\n

By preparing for each of these steps, you\u2019ll be able to move forward with greater peace of mind and minimise the number of unforeseen issues.<\/p>\n\n\n\n

1. How should you set your budget?<\/h2>\n\n\n\n

Before you start your search, take the time to work out how much you can afford to spend on your project. The advertised price of a property does not represent its total cost. You will also need to factor in purchase costs, your own deposit and any costs associated with financing.<\/p>\n\n\n\n

Setting a realistic budget will prevent you from viewing properties that are beyond your means and will enable you to focus your search more effectively.<\/p>\n\n\n\n

Estimate your borrowing capacity before viewing properties<\/h3>\n\n\n\n

Before you even start viewing properties, it is advisable to work out how much you can borrow.<\/p>\n\n\n\n

Thanks to the atHomeFinance simulator<\/a><\/strong>, you can quickly get an initial estimate of your borrowing capacity, your monthly repayments and the budget you can set aside for your property purchase.<\/p>\n\n\n\n

If you\u2019d like to find out more, the brokers at'atHomeFinance<\/strong> <\/a>They will analyse your financial situation free of charge, help you arrange your financing and can issue you with a certificate of borrowing capacity free of charge.<\/p>\n\n\n\n

\ud83d\udca1 Tip from atHomeFinance<\/strong><\/p>\n\n\n\n

Sorting out your financing before viewing a property saves you time and allows you to make an offer with greater peace of mind.<\/p>\n\n\n\n

2. How can you find the right property for you?<\/h2>\n\n\n\n

Once you\u2019ve set your budget, you can start your search on atHome<\/a><\/strong>.<\/p>\n\n\n\n

Use the filters to refine your search results according to your criteria: location, budget, property type, floor area, number of bedrooms or energy efficiency. Then, set up an alert so you\u2019ll be notified as soon as a new listing matches your search criteria.<\/p>\n\n\n\n

With more than 25,000 listings<\/strong> In Luxembourg, more than 5,000 new listings<\/strong> published every month and nearly 44,000 listings<\/strong> available in Luxembourg and the Greater Region, atHome <\/a>gives you access to one of the most comprehensive ranges of property listings in the region.<\/p>\n\n\n\n

Before arranging a viewing, do take the time to look at the photos, the energy performance certificate (where available) and information about the neighbourhood.<\/p>\n\n\n\n

3. How can you make the most of your visits?<\/h2>\n\n\n\n

Viewings allow you to confirm that a property really does meet your expectations.<\/p>\n\n\n\n

Pay close attention to the general condition of the property, any work that may be required, its energy efficiency, the amount of natural light it receives, and the surrounding area.<\/p>\n\n\n\n

Furthermore, please feel free to ask questions about service charges, renovations that have already been carried out, facilities or any planned works in the block of flats.<\/p>\n\n\n\n

\ud83d\udca1 atHome tip<\/strong><\/p>\n\n\n\n

If you\u2019re interested in a property, do feel free to view it a second time at a different time of day. This will give you a better idea of the light, the neighbourhood and the surroundings.<\/p>\n\n\n\n

4. How do I make an offer to buy?<\/h2>\n\n\n\n

Once you\u2019ve found the property that\u2019s right for you, you can submit an offer to the seller or their estate agent.<\/p>\n\n\n\n

In a market where several buyers may be interested in the same property, a well-prepared application can make all the difference.<\/p>\n\n\n\n

Strengthen your application with proof of your borrowing capacity<\/h3>\n\n\n\n

After carrying out a free analysis of your financial situation, the brokers at'atHomeFinance<\/strong> <\/a>can issue you with a certificate confirming your borrowing capacity, free of charge.<\/p>\n\n\n\n

This document can be presented to the seller when you make an offer. It shows that your financing has already been assessed and helps to strengthen the credibility of your application.<\/p>\n\n\n\n

5. What does the preliminary sale agreement contain?<\/h2>\n\n\n\n

If your offer is accepted, you will sign a preliminary sales agreement with the seller.<\/p>\n\n\n\n

The preliminary agreement sets out, in particular, the price of the property, the terms of the sale, the timeframe leading up to the final signing, and any conditions precedent, such as securing a mortgage.<\/p>\n\n\n\n

Before signing, take the time to read through each clause carefully and seek advice from your solicitor if you are in any doubt.<\/p>\n\n\n\n

6. How do you finalise your funding?<\/h2>\n\n\n\n

Once the preliminary agreement has been signed, you can finalise your mortgage application.<\/p>\n\n\n\n

If you choose atHomeFinance<\/a><\/strong>, the brokers put together your application, submit it to several partner banks, compare the various offers and find the financing solution best suited to your project.<\/p>\n\n\n\n

They then support you right through to the signing of your mortgage, saving you time and ensuring you have a single point of contact throughout the process.<\/p>\n\n\n\n

7. What costs should I expect?<\/h2>\n\n\n\n

In addition to the purchase price of the property, you should allow for registration and title transfer fees, the notary\u2019s fees and disbursements, loan-related costs, the loan guarantee and, depending on your circumstances, mortgage insurance. The amount of these costs depends on the purchase price, the financing option chosen and any applicable financial assistance.<\/p>\n\n\n\n

Fees<\/th>Description<\/th><\/tr><\/thead>
Registration and transcription fees <\/strong><\/td>The standard rate is 7 % of the purchase price<\/strong> : 6 % in registration fees and 1 % in transcription fees. Schemes such as the B\u00ebllegen Akt<\/strong> <\/a>may reduce these charges when you buy a property intended to be your main residence, subject to certain conditions.<\/td><\/tr>
Notary fees<\/strong><\/td>The solicitor draws up the deed of sale, checks the legal status of the property and completes the formalities required for the transfer of ownership. Their fees and any expenses incurred in connection with certain procedures are added to the taxes. Ask for a detailed estimate before signing.<\/td><\/tr>
Bank charges<\/strong><\/td>The bank may charge fees for the assessment, valuation or arrangement of the mortgage. These amounts vary depending on the bank and the product chosen. Please refer to the European Standardised Information Sheet (FISE) to compare the overall cost of the different offers.<\/td><\/tr>
Loan guarantee<\/strong><\/td>The bank usually requires security to guarantee repayment of the loan. This often takes the form of a mortgage on the property, which requires a notarised deed and registration with the Land Registry. The cost depends, in particular, on the amount secured and the arrangement chosen.<\/td><\/tr>
Mortgage insurance<\/strong><\/td>Depending on the bank and your application, you may be required to take out outstanding balance insurance. Its main purpose is to repay all or part of the outstanding capital in the event of the borrower\u2019s death. The cost depends on the sum insured, the term of the policy and the cover options selected.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Good to know:<\/strong> Ask the solicitor and the bank for a separate breakdown of each item before committing yourself. Also allow for a margin to cover any renovation work, the move, home insurance and the initial costs associated with the property. Remember to check the official information on Guichet.lu<\/a><\/strong> before finalising your project.<\/p>\n\n\n\n

What mistakes should you avoid when buying a property in Luxembourg?<\/h2>\n\n\n\n

To give yourself the best possible chance:<\/p>\n\n\n\n