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Updated: October 2026
Hypoprime is your mortgage broker in Ganshoren: our office is at Avenue Vital Riethuisen 21. We compare 7 banks and negotiate your rate to finance your purchase, your construction or your refinancing, and we see you by appointment, Monday to Saturday.
Source: notaire.be.
Ganshoren is a green, residential municipality in north-west Brussels, between Jette, Koekelberg and Berchem-Sainte-Agathe, a stone’s throw from the Koekelberg Basilica. It mainly offers flats in co-owned buildings, single-family houses with gardens and plenty of green space.
Buyers there often look for a quiet setting while staying close to the centre. For a flat, the common charges and the condition of the building count in your budget: the bank and the notary both pay attention to them.
Before buying in Ganshoren, three points deserve your attention:
Co-ownership: ask for the latest minutes of the general meetings and the amount of the reserve fund. Works already voted can weigh on your budget.
The EPC (PEB): it affects the value of the property and the renovation budget. See EPC (PEB) and mortgages (in French).
Your borrowing capacity: income, expenses and current loans determine the amount you can finance. See how to know your borrowing capacity (in French).
Ganshoren is in the Brussels-Capital Region, where registration duties amount to 12.5% of the price. For your only own home, however, the abatement exempts the first €200,000. According to notaire.be, the saving therefore reaches €25,000, for a property of up to €600,000. Your mortgage broker in Ganshoren builds it into your financing plan from the outset.
| Purchase price | Duties without abatement | Duties with abatement | Saving |
|---|---|---|---|
| €250,000 | €31,250 | €6,250 | €25,000 |
| €300,000 | €37,500 | €12,500 | €25,000 |
| €400,000 | €50,000 | €25,000 | €25,000 |
Calculation: 12.5% of the price, with or without deducting €200,000. Excluding the notary’s fees and other deed costs.
On the date of the sales agreement, you must not own any other property intended for housing, in Belgium or abroad. You must then establish your main residence in the property within 3 years (5 years if you carry out an energy renovation), and keep it there for 5 years (notaire.be).
For a personal check, ask your notary before signing. See also registration duties and notary fees (in French).
Take a flat bought for €250,000 (an example price, not a market average). With the abatement, the registration duties come to €6,250, compared with €31,250 without it. On top of this come the notary’s fees and the deed costs, which you pay.
Now assume a loan of €225,000 over 25 years, at an illustrative fixed rate of 4%. The monthly repayment, excluding insurance, is about €1,188. At 3.70%, it falls by about €37 a month: that is why comparing banks and negotiating your rate matters.
Illustrative example: neither a client file nor an offer. The actual rate depends on your profile, the loan-to-value and the bank. See fixed or variable rate (in French) and the cost of a mortgage (in French).
Every file is different. As your mortgage broker in Ganshoren, we study your situation, then present your project to the most suitable banks:
The abatement changes your budget: we take it into account from the first simulation. Home mortgage.
Financing up to 100% of the purchase price can be considered, case by case; purchase costs remain your responsibility. Buying without own funds (in French).
Land, construction or a new flat: the loan is released in instalments as the work progresses. Construction loan.
A bridging loan can finance your purchase while you sell your current property. Bridging loan.
A new rate, or consolidating loans as part of a mortgage refinancing. Refinancing.
Variable income or a company: we present a clear file, with the right supporting documents. Documents to prepare (in French).
A broker does not replace the bank: they help you choose the right one and present a solid file to it. In practice:
Comparing 7 banks and negotiating your rate: criteria, rates and lead times vary from one lender to another; we champion your file to obtain the best possible conditions.
Preparing a complete file: income, expenses and budget are checked before submission. See the documents for a mortgage (in French).
Anticipating costs: abatement, registration duties and deed costs are built into the financing plan.
Protecting your sales agreement: we discuss the loan condition and the timetable before you sign. See using a broker (in French).
Your application moves forward in four steps:
First conversation: you tell us about your project, your budget and the property you have in mind.
Analysis: we check income, expenses, own funds, loan-to-value and type of rate.
Comparison: we present your application to the banks best suited to your profile and negotiate your rate.
Offer and deed: we review the offer with you, then your notary prepares the deed.
Our office is at Avenue Vital Riethuisen 21, 1083 Ganshoren. We see clients by appointment, Monday to Saturday from 9 am to 7 pm. You can also call us on 02 410 17 34 or 0472 75 10 91, or talk remotely via our contact page.
Yes, because Ganshoren is part of the Brussels-Capital Region. According to notaire.be, the abatement exempts the first €200,000 of the price from registration duties, for a property of up to €600,000. In particular, you must not own any other home, and you must make the property your main residence within the required time.
Ask for the minutes of the latest general meetings, the amount of the charges and that of the reserve fund. The notary also requests this information from the managing agent (syndic) before the deed. Major works already voted can change your budget.
On top of the price, you pay registration duties (12.5% in Brussels, after any abatement), the notary’s fees and the deed costs, including those of the mortgage deed. These costs remain your responsibility: estimate them with our notary fees simulator (in French).
Sometimes, yes. Depending on your profile, some banks finance up to 100% of the purchase price, on a case-by-case basis. Notary fees, however, remain your responsibility. No approval is guaranteed, but a well-prepared file gives you the best chances of approval. See buying without own funds (in French).
No. We are paid by the bank that grants the loan, only if your application goes through. You pay no fees and no extra file costs.
Budget, abatement, loan-to-value, choice of bank: a free, no-obligation review, with an answer within 24 to 48 hours.
Page written by Hypoprime, mortgage broker in Brussels. Information only: tax and banking rules change and depend on each file. The amounts are illustrative examples, neither a loan offer nor tax or legal advice. Warning: borrowing money also costs money.
Would you like an estimate or to compare the available solutions?
We offer you a personalised, no-obligation analysis, and we negotiate your rate with the banks.
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