Home purchase loan

Home insurance for mortgage holders at no additional cost

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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 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. 

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

Mortgage loan calculator

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21 000 EUR

300 000 EUR


10 years

30 years


0 %

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.

ALTUM support

  • Families with children can have a lower first downpayment, starting from 5% of the purchase amount, if the amount of the deal does not exceed EUR 250 000. State fee only 0.5% and mortgage registration – free of charge. Now ALTUM guarantee can also be received by families who are expecting at the time of their application.
  • There is possibility of re-applying for ALTUM, if 3 years have passed since the previous guarantee, commitments have been completed and the number of children in the family has increased or family is expecting a new baby.
  • Young professionals with higher or secondary vocational education up to 35 year can have a lower first downpayment starting from 5% of the purchase amount.

Find out more

Offers from our partners

See offers from our partners. When you select a new home from these projects, you won’t have to pay for a home valuation.

See offers (In Latvian)