atHome Finance review

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

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Our verdict

atHome Finance suits Luxembourg homebuyers and landlords who want a short fixed mortgage and can bring a deposit. Its initial rate of 3.7% ranks 93 of 297 brands compared, well under the 4.49% median, and a fixed period of 1 to 3 years limits how long that rate lasts.

Key facts

Best for
A short fixed mortgage in Luxembourg with no product fee.
Initial rate
3.7% (Source, checked September 26, 2026)
Fixed period
1 to 3 years (Source, checked September 26, 2026)
Maximum loan to value
80% to 100% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, First-time-buyer, Buy-to-let (Source, checked September 26, 2026)
Legal entity
atHome Finance S.a r.l. (Source, checked September 26, 2026)
Headquarters
Luxembourg (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre, Community (Source, checked September 26, 2026)
Official website
athome.lu

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • Initial rate of 3.7% sits under the 4.49% median across the tracked mortgage market.
  • Support runs on email, chat and phone for questions before and after signing.
  • The lending purposes on offer are purchase, first time buyer and buy to let.
  • A fixed period of 1 to 3 years lets borrowers re-price sooner rather than sit on a long fix.

Cons

  • The fixed period of 1 to 3 years is short against the 10 median in the tracked market.
  • Loan to value tops out at 80% to 100%, so buyers bring a larger deposit than lenders who finance more.
atHome Finance

Ready to try atHome Finance?

Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Homebuyers in Luxembourg who can put down the deposit the 80% to 100% loan to value range asks for.
  • Borrowers after a short fixed period rather than a long one, since the fix here is 1 to 3.
  • Landlords and first-time buyers, as the lending purposes on offer are purchase, first time buyer and buy to let.

Who should look elsewhere

  • Prestalo, which lists a lower initial rate of 2.36%.
  • Sofkredit, whose initial rate of 8% to 14% is well above the 3.7% here.
  • Creditilia ES, whose initial rate of 4% is close to the 3.7% at atHome Finance, so the rate alone will not decide it.

Who runs it

The lender is atHome Finance, a Luxembourg provider of home loans run under the legal entity atHome Finance S.a r.l. and headquartered in Luxembourg. Support runs on email, chat and phone, so a question can go to the team by phone, by chat, by email, through the help centre or in the community space.

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 its mortgage service?+

The product fee is €0, so there is no charge for the mortgage service itself. Borrowers pay interest, and the rate starts at 3.7% for a fixed period of 1 to 3 years. Support on email, chat and phone is there if the terms need explaining.

How long does atHome Finance fix the rate for?+

The fixed period is 1 to 3, which is short next to the 10 median across the mortgages tracked here. A shorter fix means the rate can move sooner once the initial period ends, so anyone wanting a longer lock should check what follows.

How much deposit do I need for an atHome Finance mortgage?+

Maximum loan to value is 80% to 100%, so the deposit depends on how much of the property price is financed. The median ceiling across the tracked mortgage market is 90%, which shows where this range sits against the field.

Who can borrow from atHome Finance?+

The lending purposes on offer are purchase, first time buyer and buy to let. atHome Finance is based in Luxembourg, so the product is aimed at borrowers in that market. Support runs on email, chat and phone if help is needed to work out which route fits.

How does the atHome Finance initial rate compare with the market?+

The initial rate is 3.7%. Across 297 brands compared on initial rate, that places atHome Finance at 93, under the 4.49% median. Prestalo lists 2.36% and Creditilia ES lists 4%, so the gap is small.

How do I get help from atHome Finance?+

Support runs on email, chat and phone, meaning a help centre, email, chat, phone and a community space, so a borrower can pick a route rather than wait on one channel. The lender operates as atHome Finance S.a r.l., which is the name to quote when asking about an application.

Does atHome Finance lend for investment property?+

Buy-to-let lending is one of the purposes on offer, in purchase, first time buyer and buy to let. Along with purchase and first-time-buyer lending, the range covers owner occupiers and landlords. The product fee of €0 applies across the mortgage service.

Sources

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

Not confirmed yet: APRC.

atHome Finance

atHome Finance

A short fixed mortgage in Luxembourg with no product fee.

9.2/10See alternatives

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