Mortgage loan
The go-to financing to buy your property.
The mortgage loan finances the purchase of a home (or a plot of land) by securing it with a mortgage. It is the most common solution for becoming an owner.
The mortgage loan is a long-term commitment: the bank lends you a capital sum that you repay through monthly payments, increased by interest, while the property serves as security (the mortgage). In Belgium, the amount you can borrow depends on your income, your charges, your down payment and the value of the property — lenders monitor in particular your debt ratio and the loan-to-value ratio (loan / value ratio).
The choice of rate is decisive: a fixed rate guarantees identical monthly payments for the entire term, a variable (revisable) rate may start lower but changes within legal limits (the "cap"). As an independent broker, we put the offers into competition and defend your interest to secure the best conditions.
Warning: borrowing money also costs money.
Your questions, our answers
How much can I borrow for a mortgage in Belgium?
As a rule of thumb, your monthly repayments should not exceed roughly one third of your net income, and most banks finance up to 90% of the property value (loan-to-value). The exact amount depends on your income, expenses and deposit. Our borrowing-capacity simulator gives you an instant estimate.
Fixed or variable rate: which should I choose in 2026?
A fixed rate guarantees the same repayment for the whole term — maximum security. A variable rate starts lower but can change; in Belgium it is legally capped and can never exceed double the initial rate. A broker compares both scenarios with real figures for your situation before you decide.
Which costs come on top of the purchase price in Belgium?
Count registration duties (3% in Flanders, 12.5% in Wallonia and Brussels with possible reductions), notary and credit-deed fees, plus bank file fees. In total, plan for an extra 10–15% of the purchase price. Our notary-fees simulator calculates the detail for your region.
Let's talk about your project
Personalised advice, free and with no commitment. Book an appointment or ask us your question.