Loan with no (or little) own funds
Make your project happen even without large starting savings.
Haven't yet built up a significant down payment? Depending on your profile, some solutions make it possible to finance a high share of your project, or even part of the costs.
Financing a real estate purchase with little own funds is possible, but regulated. The Belgian authorities recommend that banks be cautious with high loan-to-value ratios (loans close to or above the value of the property): each lender applies its own policy and studies your file on a case-by-case basis. A good income profile, a stable situation and possible additional guarantees markedly improve your chances.
Our role: identify the lenders most open to your situation, structure your file to showcase it, and honestly present the total cost to you — because a high loan-to-value ratio often translates into a slightly higher rate. We look for the balance between accessibility and controlled cost.
Warning: borrowing money also costs money.
Your questions, our answers
Can you borrow 100% without a deposit in Belgium?
Yes, it is still possible in certain cases: some lenders accept loan-to-value ratios of 100% or more, especially for young buyers with stable income and good prospects. These files are more demanding, which is why they almost always go through a broker who knows which lenders accept them.
What are the conditions for a no-deposit loan?
Stable and sufficient income, a solid professional situation (permanent contract or self-employed with a track record), no payment default registered at the National Bank, and a property whose value is confirmed by valuation. Side costs (duties, notary) sometimes need to be covered by minimal savings or an additional loan.
Does a 100% loan cost more?
Generally yes: the higher the loan-to-value, the higher the rate, because the lender takes more risk. That is exactly where a broker makes the difference: by putting lenders in competition, the surcharge can be strongly reduced or even neutralised.
Let's talk about your project
Personalised advice, free and with no commitment. Book an appointment or ask us your question.