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Updated: October 2026
Buying in Ixelles (Elsene)? Hypoprime, mortgage broker in Ixelles and across the Brussels Region, compares 7 banks and negotiates your rate. A flat in a town house, a home to renovate or a buy-to-let investment: from the start, we factor in the Brussels abatement, the deed costs and the co-ownership rules.
Sources: Statbel, via BX1; notaire.be.
Ixelles, south-east of the centre, is one of the most populated and lively municipalities in Brussels. Each neighbourhood has its own character: Place Flagey and the Ixelles Ponds, Châtelain, Matonge, the area around Avenue Louise or the university district around the Plaine campus. The supply consists mainly of flats, often in former town houses that have been split up or in older buildings, and of highly sought-after mansions.
Ixelles is at the top of the Brussels municipalities for prices. According to Statbel, via BX1, the median price of a flat there was €340,400 in the first quarter of 2025, and that of a house €930,000. These medians vary widely from one neighbourhood and property to another.
For a purchase in Ixelles, the bank and the notary often look at:
Co-ownership: charges, reserve fund and voted works appear in the minutes of the general meetings; they weigh on your budget.
The planning situation: in a house that has been split up, the number of authorised homes must match the reality of the property; your notary checks this before the deed.
Your own funds: with higher prices, your own funds and the loan-to-value requested count heavily in the bank’s decision.
Ixelles 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 Ixelles builds it into your financing plan from the outset.
| Purchase price | Duties without abatement | Duties with abatement | Saving |
|---|---|---|---|
| €340,400 | €42,550 | €17,550 | €25,000 |
| €400,000 | €50,000 | €25,000 | €25,000 |
| €500,000 | €62,500 | €37,500 | €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 €340,400, the median price quoted above. With the abatement, the registration duties come to €17,550, compared with €42,550 without it. On top of this come the notary’s fees and the deed costs, which you pay.
Now assume a loan of €305,000 over 25 years, at an illustrative fixed rate of 4%. The monthly repayment, excluding insurance, is about €1,610. At 3.70%, it falls by about €50 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 Ixelles, 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).
A small building or a house split into flats: the bank also analyses the rents. Investment building loan.
Purchase and renovation can often be financed together, based on quotes. EPC (PEB) and mortgages (in French).
Variable income or a company: we present a clear file, with the right supporting documents. Documents to prepare (in French).
A new rate, or consolidating loans as part of a mortgage refinancing. Refinancing.
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.
According to Statbel, via BX1, the median price of a flat in Ixelles was €340,400 in the first quarter of 2025, one of the highest in the Region. This figure is indicative: the actual price depends on the neighbourhood, the floor area, the condition of the property and its EPC.
Yes, because Ixelles 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.
Yes. For a flat or a small building intended for rental, the bank analyses the expected rents, the condition of the property and your overall situation. The abatement, however, does not apply to a property that does not become your main residence. See our investment building loan page.
Ask for the minutes of the general meetings of the last three years, the statement of charges and the amount of the reserve fund. The notary also questions the managing agent (syndic) before the deed. Facade or roof 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).
At our office, Avenue Vital Riethuisen 21, 1083 Ganshoren, easy to reach from Ixelles. We see clients by appointment, Monday to Saturday, from 9 am to 7 pm. We can also talk by phone on 02 410 17 34 or remotely: book an appointment via our contact page.
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?
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