Frequently asked questions about mortgages

In general, count on about 10 working days once the file is complete. The actual time depends on the banks, your profile and how quickly the documents reach us.

At Hypoprime, we help you gather the documents from the start, and you receive a first answer within 24 to 48 h.

For a first analysis, prepare: your identity documents, your proof of income (payslips, or tax assessments and balance sheets if you are self-employed), your recent bank statements and the details of your current loans. For the property, the sales agreement and the EPC certificate will be requested later.

See the complete list of documents to prepare

Let us know quickly. The bank checks the stability of your income throughout the application: a change of employer, contract or status can change its decision or require additional supporting documents.

Depending on the case, we adapt the file or present it to another bank.

Each situation is analysed case by case: variable income, separation, current loans, atypical profile. No bank accepts every file, but each one reads profiles in its own way.

We compare several banks to present your file to those with the best chances of accepting it. We cannot, however, guarantee that a loan will be approved.

Yes, it is possible. Banks do not analyse the income of a self-employed person or company director like that of an employee: tax assessments, balance sheets, pay and dividends can be taken into account differently depending on the bank.

We prepare and present your figures in the clearest way for each lender, to give you better chances of approval.

Not necessarily. The bank looks at your income, your monthly charges and your current loans (car loan, consumer credit, other mortgage) to measure what you can repay. The higher your charges, the lower your borrowing capacity.

We analyse your overall situation and simulate several scenarios. How do I find out my borrowing capacity?

You can borrow as two people: as a couple, as a family or between partners. The bank analyses the income and charges of both people and studies a joint file. In general, each of you commits to repaying the loan.

Before signing, check how the purchase and your commitments are split. A notary can advise you on the agreements to put in place between you.

There is no universal amount: each bank sets its own limits and calculates your borrowing capacity according to your income, your charges, your current loans, your own funds and the property purchased.

We simulate several scenarios to find a comfortable monthly payment, not just the maximum amount. Get a first estimate with our simulator

Own funds make approval easier, but they are not always essential. In some files, we can study financing of up to 100 % of the purchase price of the property, depending on your profile and the guarantees available.

Purchase costs (notary fees, registration duties) normally remain at your expense: plan for them separately. Buying without own funds: the solutions

We do not finance the purchase of building land. Our business is mortgages for buying a house, an apartment or an investment building.

For a construction or renovation project, contact us: we will tell you frankly whether we can help you.

There is no single rate: it depends on the term, the share financed, your profile, the EPC of the property, the insurance and the formula chosen (fixed or variable).

That is why we compare several banks on your file, looking at the total cost (APR) and not just the advertised rate.

With a fixed rate, your monthly payment stays stable for the whole planned period. With a variable rate, the starting rate is often lower, but it can be revised upwards or downwards, within the limits of the contract and the law.

The right choice depends on your budget and your ability to absorb an increase. We work out the scenarios on your file. Fixed or variable rate: our analysis

No. Our study is free and without commitment. You pay us nothing: our fee is paid by the partner banks when the loan is set up.

“Notary fees” mainly consist of registration duties, which vary by Region (from 2 % to 12.5 % of the purchase price), the notary's fees and various administrative costs. With a mortgage, the costs of the loan deed are added.

The total depends on the price of the property, the Region and your situation (for example the Brussels allowance or the reduced rates in Flanders and Wallonia, under conditions). Estimate my costs with the simulator or read the complete guide.

A bank can only offer you its own products. A broker works with several banks: he analyses your file, compares offers, negotiates the conditions and presents your application to those that best match your profile, which improves your chances of approval.

Broker or bank: the complete comparison

Yes, it is often possible. A refusal reflects the criteria of a single bank at a given moment, not necessarily your ability to repay.

We first analyse the reason for the refusal, adjust the file if necessary, then present it to other partner banks. We cannot guarantee the outcome, but a well-repositioned file has better chances. Avoid multiplying scattered applications: each one leaves a trace. What to do after a bank refusal?

We work within the framework of a mortgage refinancing: transferring your mortgage to another bank, and if needed consolidating other loans (car, consumer credit) into the same new mortgage.

We do not offer buy-outs of consumer loans on their own, nor personal loans. Consolidating can lower your monthly payments, but by extending the term it can increase the total cost: we calculate it before proposing it to you. Discover mortgage refinancing

We start by checking whether the operation is worthwhile: the expected saving must exceed the costs. We then compare the offers of several banks, and the new bank repays your old loan.

Costs should be expected: a possible reinvestment fee (generally at most three months' interest on the outstanding balance, and no longer due since June 2024 if you refinance with the same bank), as well as the costs of the new loan (file costs, notarial deed depending on the case). Also check the conditions of your current contract.

Yes. Hypoprime is a mortgage broker registered with the FSMA (no. 1019541561). We only offer mortgages: no personal loans or consumer credit.

We work with 7 partner banks and lenders. For each file, we select those whose criteria best match your profile and your project, then we compare their offers.

Our office is located at Avenue Vital Riethuisen 21, 1083 Ganshoren (Brussels). We are open Monday to Saturday from 9 am to 7 pm; closed on Sunday.

You can also reach us on 0472 75 10 91 or via the contact page.