Mortgage

For a mortgage, our brokers go through your project, your income and your expenses, and put together a complete application before presenting it to the lenders we work with.

You do not approach ten lenders yourself. We compare their terms on your specific case and show you who accepts it, at what rate and under what conditions. You then choose knowing exactly where you stand.

The same point of contact follows you from the first meeting through to signing at the notary's office, in our offices at Passage Charles Rogier, a short walk from Rogier station in Brussels, or by phone if you prefer.

A fixed rate never changes throughout the term of the loan. Your monthly repayment stays the same from the first month to the last, which makes it easier to manage a budget over fifteen or twenty years.

A variable rate can be reviewed at the dates set out in the contract, up or down. Two patterns exist depending on the lender: a review every five years after an initial ten-year period, or a review every five years from the start.

Neither option is better in every case. A fixed rate offers reassurance over time, a variable rate can start lower but exposes you to change. We run simulations for both on your project so the decision is yours to make.

The rate shown is never the only figure to know. The APR includes the lender's administration and valuation fees in addition to the borrowing rate: it is the figure that reflects the real cost of the credit.

On top of this come the notary deed costs, for the purchase and for the mortgage registration, detailed on our dedicated notary fees page. Most mortgage lenders also require outstanding balance insurance and fire insurance on the property financed.

The simulator on this page covers seven types of projects, each with its own rate table from our partner lenders.

A mortgage commits your budget for fifteen, twenty or twenty-five years. Two types of insurance most often go with it: outstanding balance insurance, which repays the remaining capital if the borrower dies, and fire insurance on the property, required by the lender for as long as the loan runs.

We compare these two types of insurance among our partner companies rather than letting you default to the lender's own cover: the price and terms vary considerably from one insurer to another for equivalent cover.