Home loan
Make your property project a reality
Competitive rates, personalised support and an in-principle response within 48 hours.
Current rates
Current rates
Updated 28 March 2026. Subject to approval of your application.
15 years
3,40 %
Excluding insurance
Indicative APR: 3.95%
20 years
3,65 %
Excluding insurance
Indicative APR: 4.22%
25 years
3,80 %
Excluding insurance
Indicative APR: 4.38%
Indicative rates as at 28/03/2026, subject to acceptance of your application. The APR includes arrangement fees.
Eligibility conditions
Eligibility requirements
Our home loan is intended for European residents meeting the following criteria.
EU residence
Be a tax resident in a European Union member country or in Switzerland.
Stable income
Permanent contract, civil servant, self-employed with 3 years' seniority or regulated liberal professions.
Debt ratio < 35%
The total amount of your monthly repayments must not exceed 35% of your net monthly income.
Recommended deposit
A personal deposit of at least 10% is recommended to cover notary and arrangement fees.
Our process
Steps to your loan
Comprehensive support from simulation to signing at the notary's office.
Simulation
Estimate your borrowing capacity and monthly repayments online in 2 minutes.
Application
Submit your supporting documents in a fully digital manner from your customer area.
Decision in principle
Receive your decision in principle within 48 working hours after submitting your complete application.
Loan offer
Receive your official loan offer. Statutory 10-day reflection period.
Notary
Sign the deed at the notary's office. The funds are released the same day.
Frequently asked questions