from 4.85 %
Renovation loan
Building work, insulation, heating, solar panels. Projects that improve energy performance benefit from a lower rate.
What is your project?
- 4,4 out of 5, 83 Google reviews
- Independent broker, not a bank!
- 10 lenders compared
Your simulation
Renovation loan
Your project
A home to refresh
Drag the sliders, or click the pencil to type the amount or term directly.
€478.11
your monthly repayment
- Amount borrowed
- €25,000
- Term
- 60 months
- Borrowing rate
- 5.55 %*
- APR
- 5.69 %
- Total cost of credit
- €3,686
- Total amount payable
- €28,686
- Number of monthly repayments
- 60
* This is an average representative rate. A simulation is not binding: a broker from the office will call you back as soon as possible with a comparison in figures. Indicative annual percentage rate, subject to acceptance. A loan is a commitment and must be repaid. Be aware: borrowing money also costs money.
Our partner lenders
Useful if
- 1You are renovating, insulating or replacing your heating.
- 2Your works improve energy performance, which gives access to a lower rate.
- 3You want to finance the works without using your savings.
What this loan covers
- Building work and fittings
- Energy saving
What work does a renovation loan finance?
The renovation loan is an instalment loan intended for fitting-out or improvement work on a property: kitchen, bathroom, roofing, extension, insulation, replacing the heating system or installing solar panels.
As with car finance, you make a fixed monthly repayment over a term chosen at the outset.
Why a different rate for energy-saving work?
Lenders apply a lower rate to work that improves a home's energy performance: roof or wall insulation, window replacement, more efficient heating, solar panels. The simulator on this page automatically applies the correct rate table according to the type of work chosen.
Beyond the loan rate, regional grants exist for this type of work depending on the region where the property is located. We do not calculate them here, but we can point you towards the relevant regional authority to check what you are entitled to before starting the work.
Instalment loan or mortgage for major work?
For small jobs, an instalment loan is enough and is released more quickly. For a major renovation or an extension that goes well beyond the ceiling of the renovation loan, a mortgage or a top-up to an existing loan can work out cheaper thanks to a longer term.
We look at both options with you before submitting a request, based on the actual amount of the quotes you already have in hand.
Protecting a building site in progress
If the work affects the structure of the property, your existing home insurance policy may need to be adjusted for the duration of the work. Check this point with your insurer before starting, especially for an extension or an open roof.
Applying for a renovation loan
The simulation on this page gives an indicative monthly repayment based on the amount and term chosen, with no commitment or supporting documents required at this stage. A broker then takes on your file and presents it to the lender best suited to the nature of your work.
- Transparency at the heart of our commitment!
- Your monthly repayment, your borrowing rate and your APR are shown before you leave any details behind. Your contact information comes after, if you want to take things further.
- We compare, you choose!
- A bank offers you its own loans. We work with ten lenders: we compare their terms for your file and show you who accepts it, and on what terms.
- One point of contact through to signing!
- The same person looks after your case from the first call to the signing. They explain every condition before you sign.
What our clients say…
Read all reviews on GoogleJe suis vraiment très contente du service que j’ai reçu. Toute l’équipe a fait preuve d’un grand professionnalisme et d’une vraie qualité de service du début à la fin. Je me suis toujours sentie accompagnée et soutenue, avec une présence constante et beaucoup d’attention à mes besoins. On sent que chacun donne son maximum pour satisfaire les clients, et cela fait toute la différence. Je tiens à remercier tout particulièrement le courtier Monsieur Kubat Ali pour son professionnalisme, sa disponibilité et son accompagnement tout au long du processus. Son écoute et son implication ont été très appréciées. Un grand merci à toute l’équipe pour leur gentillesse et leur travail de qualité. Je recommande vivement !
Sirin Yildirim
Merci beaucoup à Pinar pour tous les démarches qu'elle a effectuée pour l'obtention de notre crédit! Dès le début elle a été présente, et une personne de confiance. De nos jours c'est tellement difficile de trouver un gestionnaire qui suit parfaitement ces dossiers pour la satisfaction du client. Merci encore!
Ciftci Baris
Excellent service, bon accueil, toujours disponible avec ses clients. Merci à vous Monsieur Bayram. Vous êtes quelqu'un d'exceptionnel et gardez toujours votre sourire et votre hospitalité. Franchement à recommander.
Chris Luedi
Protecting your project
Our partner insurers
Who will call you back?
Your request is handled here at Passage Charles Rogier by the person who will see it through to signing.
Rüstem Liman
Financial manager
Pinar Mugla
Sales associate, mortgages and insurance
Ali Kubat
Mortgages
Bayram Cakir
Mortgages
Bahar Celik
Instalment loans
Tolga Demirkazik
Insurance account manager
Sinan Yilmaz
Insurance account manager
We see clients by appointment, Passage Charles Rogier 10, two minutes from Rogier metro station.
02 203 24 34
Your questions
Why a different rate for energy-saving work?
Lenders apply a lower rate to work that improves a home's energy performance: insulation, heating, solar panels. The simulator shows you both rate tables.
Renovation: instalment loan or mortgage?
For major work, a mortgage or a top-up to your existing loan can work out cheaper. We look at both options with you.
Does a simulation commit me to anything?
No. It commits you to nothing, remains confidential and does not affect your record at the National Bank. You can run as many as you like.
How much does using a broker cost?
We are paid by the lenders and insurance companies, in the form of commissions, not by you. The details are given to you before signing.
What happens after I submit my request?
A broker will call you back as soon as possible. They will pick up your simulation, present your case to the lenders and show you who accepts it, and on what terms.
