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atHome Finance review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

atHome Finance lends through its own entity, atHome Finance S.a r.l., and charges a product fee of €0 on home purchase, first-time-buyer and buy-to-let mortgages. It suits Luxembourg buyers who want help with the application at no product fee, and want to compare a 3.7% starting rate against higher rivals.

Key facts

Best for
First-time buyers and buy-to-let landlords in Luxembourg who want a fee-free home mortgage.
Initial rate
3.7%↗
Fixed period
1 to 3 years↗
Maximum loan to value
80% to 100%↗
Product fee
€0↗
Purpose
Purchase, First-time-buyer, Buy-to-let↗
Legal entity
atHome Finance S.a r.l.↗
Headquarters
Luxembourg↗
Support channels
Email, Chat, Phone, Help-centre, Community↗
Official website
athome.lu

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • The mortgage service carries a product fee of €0, so nothing is charged to arrange it.
  • An initial rate of 3.7% sits under the 4.69% market median and ahead of Creditilia ES at 4%.
  • The fixed rate can be held for 1 to 3, and loans run up to 80% to 100% of the property value.
  • Support runs on email, chat and phone, covering phone, chat and email as well as a help centre.

Cons

  • The fixed period of 1 to 3 is short next to a market fixed period of 10, so the rate can reset sooner.
  • A first-time-buyer can borrow up to 80% to 100%, and purchase, first time buyer and buy to let lists no remortgage or home equity route, limiting repeat borrowing.
atHome Finance

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Scored 9.2 / 10 by SumCue.

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Who it suits

  • Luxembourg households buying a home, including purchase, first time buyer and buy to let
  • Buy-to-let landlords covered under purchase, first time buyer and buy to let who want a 3.7% starting rate
  • Applicants who value a €0 product fee and email, chat and phone

Who should look elsewhere

  • Prestalo, whose initial rate of 2.36% is lower than the 3.7% here
  • Buyers wanting a longer rate lock, since the fixed period is 1 to 3 against a market 10
  • Creditilia ES, whose 4% initial rate suits a higher budget

How atHome Finance compares

Where atHome Finance is available

Available
Luxembourg

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does atHome Finance charge for arranging a mortgage?+

The product fee is €0, so the mortgage service is not charged for. The lending entity named in the legal details is atHome Finance S.a r.l. Rate costs still apply once the loan runs, and any arrangement costs are separate from the product fee.

What rate does atHome Finance offer on a home mortgage?+

The initial rate is 3.7%, which reads low against the 4.69% market median. The same initial rate has a 80% to 100% ceiling on borrowing, and the rate is held fixed for 1 to 3.

How long is the rate fixed on an atHome Finance mortgage?+

The fixed period runs 1 to 3, against a market median fixed period of 10. That is a short lock compared with many mortgages, so expect the rate to be reviewed sooner and plan a buffer for later.

Who can apply for a mortgage with atHome Finance?+

The stated purposes are purchase, first time buyer and buy to let. That means a home purchase, a first-time-buyer loan and a buy-to-let property are in scope, and the lending entity is registered in Luxembourg as atHome Finance S.a r.l.

How much can I borrow as a first-time buyer?+

Borrowing runs up to 80% to 100% of the property value, so a larger deposit secures a larger loan. That ceiling is the highest stated for the product, and it applies alongside the 3.7% starting rate.

How do I get help with an atHome Finance application?+

Support runs on email, chat and phone, which includes phone, chat and email alongside a help centre and a community. A phone line is the quickest route for questions mid application.

Is atHome Finance regulated?+

The legal entity behind the brand is atHome Finance S.a r.l., based in Luxembourg. No regulator or licence is listed for this lender, so protection scheme details cannot be confirmed from the available information.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APRC.

atHome Finance

atHome Finance

First-time buyers and buy-to-let landlords in Luxembourg who want a fee-free home mortgage.

9.2/10See alternatives