Mortgage loan

No fee for processing your mortgage loan when you buy a home from a real estate developer. Offer applies 01.03-30.06.2021

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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

Mortgage loans for different needs:

  • New projects and homes with history: we support different desires and options. See our special offers and select your future home!
  • 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

Choose your goal:

  • I've already found the property

    Apply online and receive a lending offer

    Apply

  • I plan to buy property in the next three months

    Find out what loan terms are available to you at Citadele

    Find out

  • I'm interested in my options

    Fill in the calculator and find out how much you can borrow

    View options

New home projects

Have a look and choose your future home! When you purchase a home in a new project in Riga or elsewhere, you can receive a loan with special terms:

  • Great value! When you choose a home from a real estate developer, there is no mortgage processing fee (offer applies 01.03-30.06.2021)
  • When you open an escrow account with us, pay just €50 commission (offer applies until 31.12.2021)
  • For apartments in several new projects, a property valuation is not necessary
  • Free property insurance for the duration of your loan

See new projects

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

Find out more

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

Special offer

If, when applying for a mortgage, you also apply for a consumer loan or credit card, interest on your consumer loan or credit card will be just 9%**

Mortgage loan calculator

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EUR
years

Offer not available

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EUR

40 000 EUR

300 000 EUR

years

5 years

30 years

%

5 %

95 %

We offer mortgage loans from 20,000 EUR.

Apply online

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