Home purchase loan

No commission fee for homes in new projects. Offer applies from 04.01-28.02.2021.

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  • Up to 95% financingReceive an individually-calculated rate from 1.9%
  • Remote applicationApply online, follow the process and receive a reply by email
  • Free insuranceNo worries about your property for the entire length of the contract

Better value for new projects!

Apply for a mortgage to purchase a home in a new project and pay no commission.* Offer applies to all apartments and homes built after 2008. Offer applies from 04.01-28.02.2021.

Apply online

Mortgage loan calculator

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Offer not available

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21 000 EUR

300 000 EUR


5 years

30 years


5 %

95 %

We offer mortgage loans from 20,000 EUR.

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The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.

Mortgage loans for different needs:

  • New projects and houses with history—we support different options and desires
  • House or apartment purchase—ALTUM financing of up to 95%, loan from 20,000 EUR, repay in up to 30 years. Option of postponing base sum repayments for up to 6 months
  • Construction loan—ALTUM financing of up to 85%, loan from 20,000 EUR, repay in up to 30 years. House must be liveable within 24 months

ALTUM Support

  • For families with children or those who are expecting: a deposit from 5% of the purchase sum, as long as the property price does not exceed €250,000. Government tax is just 0.5%, and property registration is free
  • Families with at least three children, or two children and expecting a third, can receive a subsidy of up to €12,000 towards the deposit of their property purchase or home build
  • You can apply for ALTUM support again if three years have passed since receiving the previous guarantee, obligations have been covered, and the number of children in the family has increased or the family is expecting another child
  • Young professionals—professionals with higher or professional secondary education—aged up to 35 can have a lower deposit, from 5% of the purchase sum

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Free insurance

  • When you get a mortgage loan at Citadele, you will receive free home insurance at no additional cost for your whole contract period
  • The insurance also includes moveable property insurance up to 5,000 Euro and civil liability insurance up to 1,000 Euro, if your mortgage is for a residential property
  • Terms and conditions

Special offer

When you apply for a mortgage, your interest rate for consumer loan or credit card will be just 9%. Accomplish your dreams and fulfil your ambitions faster!**