In Luxembourg’s fast-paced and competitive real estate market, it’s crucial to structure your project ahead of time. Yet many prospective buyers still make the mistake of starting to search for a property without assessing their borrowing capacity first. The result? Wasted time, missed opportunities, and sometimes even a mortgage refusal at the final stage.
🔀 The smart approach is to start with a clear analysis of your borrowing power. It’s the first step to a successful property project.
⏱ Save valuable time (and avoid setbacks)
- Target the right properties from the start, aligned with your realistic budget.
- Avoid unnecessary visits and unaffordable emotional decisions.
- Stay motivated and efficient throughout the process.
⚡ Be faster than other buyers
- With a financing certificate, you can make an offer immediately after a successful visit.
- Sellers will see you as a serious and qualified buyer.
- You stand out with a solid and credible profile.
🏦 Prepare a bank-ready application
A broker like MORTGAGE.LU will structure a complete financing plan tailored to your situation:
- Analysis of your income, expenses, down payment, and loan term
- Presentation to over 8 partner banks for competitive offers
- Guidance on fixed, variable, or mixed interest rates
📄 The MORTGAGE.LU Financing Certificate
- Confirms your estimated borrowing capacity, validated with banks
- Includes key data: budget, monthly repayment, duration, rate, disposable income
- Recognized by our real estate partners as proof of solvency
- Valid for 1 month, renewable, and adaptable to market changes
🎯 What comes next?
- Start actively searching for your property
- Position yourself confidently on a purchase
- Adapt the financing plan as your project evolves
- Sign the sales agreement with peace of mind
🔍 In summary: Anticipate to succeed
- ✅ Save time
- ✅ Avoid unnecessary stress
- ✅ Negotiate better conditions
- ✅ Gain seller confidence
- ✅ Build a strong foundation for your purchase
📞 Contact MORTGAGE.LU to get your free, personalized financing certificate. Our brokers will guide you all the way to the notary, with expert advice and optimized negotiation.
