With the fall of both property prices and interest rates for several months, real estate projects in Luxembourg are becoming increasingly attractive. But the decision to buy can be very difficult regarding the numerous steps and decisions to make. The mortgage loan is one of these steps. Fixed or variable rate? How long should I borrow? And what is about the insurance?

Future borrowers daily try to answer these questions. Variable rates, currently very low, are competitive. But fixed rates attract borrowers who can budget their long-term debt, with security and no surprise each month. Variable rates with cap can be a good solution since their variations are limited upward or downward.

There is not an only solution but rather a portfolio of offers based on different terms:

• The kind of rate
• The duration of the loan
• The kind of mortgage insurance
• The contribution
• The early repayment possibilities

That's why a loan offer should be tailor-made according to the needs and expectations of the borrower. The mortgage loan broker shows to the prospective borrowers a simplified comparison of the different financial solutions.