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.
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