Calculate your selling costs

In Luxembourg, the seller mainly bears the agency commission, usually between 2% and 5% of the sale price (often around 3%), plus 17% VAT. Smaller costs follow: producing the energy performance certificate (EPC), the mortgage release at the notary if a loan is outstanding, and any early-repayment penalties on your loan. Finally, capital gains tax may apply depending on how long you have owned the property. The costs of the deed of sale (often called "notary fees") are, by contrast, paid by the buyer. These amounts are indicative: ask your notary for a precise breakdown.

In Luxembourg, the notary fees on the purchase deed (registration duties, transcription duties and notary fees) are borne by the buyer, not the seller. They generally amount to around 7% of the price, but depend on the property and any allowances. The seller only pays limited notary-side costs, mainly the release of their mortgage if a loan remains outstanding (often a few hundred euros). The same notary can draw up the deed for both parties. For the details applicable to your situation, refer to guichet.lu or consult a notary directly.

The agency commission is calculated as a percentage of the sale price. In Luxembourg it generally ranges from 2% to 5%, averaging around 3%, with 17% VAT added on top. On a property sold for €750,000, a 3% commission represents €22,500 excluding tax. The commission is negotiable and varies with the value of the property, the type of mandate (simple or exclusive) and the services provided (photos, home staging, viewings, advertising). Our calculator shows a 2%–5% range to help you position your case. Comparing several agencies remains the best way to obtain a fair rate.

It depends on the nature of the property and how long you have owned it. For your actually occupied principal residence, the capital gain is in principle exempt. For another property, the gain (the difference between the sale price and the revalued purchase price) is taxable, but a more favourable regime applies beyond two years of ownership (a reduced rate rather than the full scale). A ten-year allowance also exists. The rules are technical and change over time: our calculator gives an indicative estimate. For a reliable calculation, rely on guichet.lu or consult a notary or tax adviser.

Your net proceeds equal the sale price minus your seller costs: agency commission (with VAT), any capital gains tax, mortgage release and, where applicable, early repayment of your loan balance. On top of that comes repaying the capital still owed to your bank. For example, on a sale at €750,000 with a 3% commission and no taxable gain, the net proceeds before loan repayment come to roughly €727,500. Our calculator estimates this amount automatically. Reminder: the deed costs (~7%) are paid by the buyer and do not reduce your proceeds.