Selling Without an Agency in Luxembourg: Practical Guide 2026

Introduction

In 2026, approximately 15 to 20% of property sales in Luxembourg are conducted privately, without an agency. The savings on commission (2-5% + VAT) are tempting, especially in a market where the median property exceeds €750,000.

Advantages of Selling Privately

1. Commission Savings

On a property sold for €900,000, a 3% + VAT commission represents €31,590.

2. Full Control Over the Process

You decide on price, viewing times, negotiation strategy and timing.

Disadvantages of Selling Privately

1. Generally Lower Sale Price

Statistics show that privately sold properties sell for an average of 5 to 10% less than those sold through agencies.

2. Longer Selling Times

Without multi-channel exposure and buyer databases, selling takes on average 40% longer.

3. Significant Time Investment

Expect 10-20 hours per week throughout the selling period.

Steps for Selling Privately

1. Accurate valuation via Sellect.lu. 2. Prepare all mandatory documents. 3. Professional photos and cleaning. 4. Publish on atHome.lu. 5. Organise viewings. 6. Require proof of financing. 7. Have the sales agreement drafted by a notary.

When Selling Privately Makes Sense

• You already have a buyer
• Your property is in a high-demand area
• You have experience with property sales

When an Agency is Better

• You don't have time for viewings
• Your property is in a less sought-after area
• It's your first property sale

Compare agencies free on Sellect.lu.

FAQ

Will I really sell for less without an agency?

Statistically yes: 5 to 10% less on average. If the commission savings (3%) are less than the price difference (7%), selling privately isn't profitable.

How much does a listing on atHome cost as a private seller?

Between €100 and €200/month for a standard listing.

Do I need a lawyer for a private sale?

Not mandatory but strongly recommended, at minimum for the sales agreement. Fees: €500-1,000.