From a dream to your own home

Your new home is already waiting for you. We will help to buy it.

Apply for a great consultation

  • Financing of up to 95%
  • Interest rate from 1.8%* per year
  • Receive your offer within 1 day

Financing is easy

At the moment, you’re thinking about finding a great home? You want clarity on what you can afford to spend? We’ll calculate the amount available to you as a loan and at what interest rate within a day after your consultation.

Low interest rates makes borrowing more enjoyable

  • Your home serves as collateral for your loan, which is why the interest rate is so low - from 1.8%* per year.
  • We can offer you a loan to be repaid in 30 years period. 
  • You will be able to repay your loan more quickly if you want and are able to.
  • After receiving mortgage loan, you can get a fixed interest rate of 9% for credit cards, consumer loan or loan refinancing. Consumer loan and loan refinancing will be commission free.

Apply for a great consultation

Let’s calculate together

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1 year

30 years


1.8 %

8 %

Offer is not available

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10 000 EUR

300 000 EUR


1 year

30 years


0 %

95 %

We offer mortgage loans from 10,000 EUR.

The result is approximate and may differ from the conditions offered to you.

Do you have kids? Great!

Because there is power in big families! We provide financing in collaboration with ALTUM’s support programme at even better-value terms.

  • For families with children, your deposit is smaller - up to 5% of the transaction sum. This means more opportunities - with the support of ALTUM, Citadele financing can cover 95% of the value of the home.
  • The government fee for changing property ownership is four times smaller - just 0.5%
  • No-fee mortgage registration for families with children

Consultation on ALTUM support

Are you educated? The government values this!

Higher or secondary professional education gives you advantages when buying a home. We provide financing in collaboration with the ALTUM support programme at even better-value terms.

  • You could buy a home with a smaller deposit.
  • This support programme is available for people up to 35 years of age.

Consultation on ALTUM support

From renovating an apartment to a private house with a sauna

Your dreams have no limits

  • House or apartment purchase. Citadele will finance 80-95% of the home value. 
  • Home renovation. Financing from 10,000 Euro up to 80% of the value of the home. Repay over a period up to 20 years. For renovations with smaller expenses, we recommend using a consumer loan.
  • Building your dream home. Get financing of 70-90% of the value of your home. Repay within a period of up to 30 years.
  • Refinancing loans on better terms. We will finance up to 80% of the home value, repay over a period of up to 20 years.
  • Money for other needs. Using your property as collateral, you can get a loan with a lower interest rate for developing your business, education or for other needs. Financing of up to 80% of the home value, repay over a period of up to 15 years.
  • What else? Our standard offers finish here. Maybe you have a different idea? Mobile home, childhood dreams of a treehouse or making your home in a boat? It could be possible.

Apply for a great consultation

We will help you with the practical side of the purchase

Our clients like how our experts keep everything in its place and help throughout the entire home-buying process. We help with the purchase contract, land registry, notary, property valuation and consultations. During the consultation:

  • We will tell you about the home purchase process from A to Z
  • We will show you our partners’ offers (In Latvian).
  • We will discuss other valuable advantages that you can receive if you have higher education or a bigger family with kids

I want to apply for a great consultation

Offers by our partners

Definitely, have a look at our partners’ offers. When choosing your new home from one of these projects, you won’t have to pay for your home valuation and transaction account.

See offers by our partners (In Latvian)

Even more opportunities

  • Renovation calculator (In Latvian)

    Fill in the renovation calculator and find out your renovation costs within seconds.

    Let’s calculate together

  • Consumer loan

    Financing of up to 15,000 Euro. Interest rate from 9% per year.

    Receive an offer

  • Borrower life and accident insurance

    Look out for yourself and your family, choose insurance.

    Find out more