Property in Luxembourg: buying and support
A small, expensive market at the centre of Europe: no restrictions for foreigners, and a 7% transfer tax regardless of nationality.
Why Luxembourg
No surcharge for foreigners
There are no restrictions on foreign buyers: the standard 7% transfer tax applies regardless of citizenship or residency.
Demand from the financial sector and EU institutions
Steady rental demand comes from the financial sector and European Union institutions.
The centre of Europe and legal predictability
A central location and high legal predictability make the deal straightforward for a European buyer.
Honestly, about the market: small and expensive
The market is very small in volume, and prices are among the highest in Europe: a high entry threshold and a limited selection of properties.
Honestly, about costs: 8–9.5% in total
Including notarial and related fees, total transaction costs typically run 8–9.5% of the price — this lengthens the payback horizon.
Smaller budget — we'll source it
Tell us the amount and the goal, and we'll come back with options from developers and partners that are not in the catalogue.
Send a requestHow the purchase works
- 1
We map your goal
Budget and goal — letting to the financial sector or personal use.
- 2
We check the property and its status
The property's legal status before signing.
- 3
Preliminary contract
We fix the deal's terms.
- 4
Notarial deed
A notary handles the deal.
- 5
Paying the duties
A 6% registration duty and a 1% transcription duty.
- 6
Title registration
We register the title.
Frequently asked questions
Are there restrictions for foreigners in Luxembourg?+
No. There are no restrictions on buying by nationality or residence, and no special surcharges for foreign buyers: the standard transfer tax rate applies equally to everyone.
How much is the transfer tax?+
7% of the purchase price: a 6% registration duty and a 1% transcription duty. With notarial and related costs, total transaction expenses usually run to 8–9.5%.
Does buying property grant residency?+
No. Buying property in Luxembourg is not a basis for a residence permit. Status is obtained on unrelated grounds: work, entrepreneurship or study.
Who handles the transaction?+
A notary. They verify the seller's title, prepare the deed, ensure the duties are paid and register the transfer. Notarial involvement is mandatory and charged separately from the 7% transfer tax.
Will a bank lend to a non-resident?+
Luxembourg banks focus on clients with income in the country or the cross-border region. Without such a connection a mortgage is largely unavailable, so purchases from abroad are normally planned on the buyer's own funds.
How wide is the choice of property?+
The market is very small by volume and prices are among Europe's highest, so choice is limited and the entry threshold high. Liquidity is nonetheless supported by steady demand from the financial sector and the EU institutions.
Who rents property in Luxembourg?+
Demand comes largely from financial sector staff and EU institution employees on contract. That makes the rental flow steady through the year but ties it to the business cycle rather than a tourist season.
Do you have property in Luxembourg?+
Not in the public catalogue at present. If the market interests you, send us a request — we will source through our partner network and model total transaction costs for the specific property.
Overview
Luxembourg is a compact market with high prices and no restrictions at all on foreign buyers. There is no non-resident surcharge: the transfer tax rate is the same for everyone.
Why buy here
No restrictions and no surcharges for foreign buyers: the standard 7% applies regardless of nationality or residence. Steady rental demand from the financial sector and the EU institutions. A central location and high legal predictability.
Taxes, costs and yield
Benchmarks for taxes, purchase and holding costs and rental yield. Exact figures depend on the property and your situation.
Transfer tax of 7%: a 6% registration duty and a 1% transcription duty. Total transaction costs are usually 8–9.5%.
Transfer tax is 7% of the purchase price, comprising a 6% registration duty and a 1% transcription duty. There is no separate surcharge for foreign buyers — the rate is identical regardless of nationality or residence. With notarial and related costs, total transaction expenses usually run to 8–9.5% of the price.
1. Check the property and its legal status. 2. Preliminary contract. 3. Notarial deed: a notary handles the transaction. 4. Payment of the registration and transcription duties. 5. Registration of title.
Luxembourg banks lend mainly to clients with income in the country or the cross-border region.
Buying property in Luxembourg does not grant residency. Status is obtained on grounds unrelated to a purchase: work, entrepreneurship or study.
The market is very small by volume and prices are among the highest in Europe. That means a high entry threshold and limited choice; liquidity, however, is supported by steady demand from the financial sector. We do not currently list property in this country in our public catalogue. If the market interests you, send us a request — we will source through our partner network and support the transaction.
What to bear in mind: — a high entry threshold against limited supply constrains diversification; — total transaction costs of 8–9.5% lengthen the payback horizon; — a mortgage is largely unavailable to a non-resident without income in the country or the cross-border region. Checked in September 2026. Thresholds, rates and programme terms change — confirm the current requirements with a lawyer in the country before you buy.
Request a selection in Luxembourg
Figures are indicative, change over time and depend on the specific property and your circumstances. Obtain independent legal, tax and financial advice before any purchase.
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