Hypoprime, mortgage broker in Brussels

Your bank can only offer you its own products, according to its current pricing grid. An independent broker compares 7 banks, negotiates the conditions and presents your file to the one that best matches your profile, which can improve your chances of approval.

Our support is free for you: we are paid by the bank, only if your loan goes through.

Broker or bank: the full comparison

Yes, it is possible. Depending on your profile, your income and the available guarantees, some banks finance up to 100 % of the property price.

We analyse your situation free of charge and tell you clearly what is realistic. Buying without a deposit: all the solutions

There is no single amount: each bank has its own policy, which depends on your profile, the property and the region. A deposit makes approval easier and often improves the conditions, but it is not always essential.

What you must above all anticipate are the purchase costs (registration duties, notary, application fees, insurance), which come on top of the price. We work out this budget with you before you commit.

Estimate your costs with our simulator

Yes. Banks mainly look at the stability of your income, your expenses and your budget, not your age.

For your own and only home, regional benefits exist (reduced registration duties, depending on the region and subject to conditions). Help from family (guarantee, surety, buying together) can also strengthen a file: we look with you at the most suitable option.

Before a first purchase: our complete guide to mortgages in Belgium.

It depends on your income, your expenses, your current loans and the chosen bank: for the same household, the difference between two banks can be significant.

Our goal is not the maximum amount, but a monthly payment you can live with comfortably.

Calculate your borrowing capacity in 2 minutes — free, without commitment.

The calculation in detail: borrowing capacity, how to calculate it in Belgium.

Nothing for you. We are paid by the bank, once the loan is in place.

Our difference: not stopping at the first “no”. Self-employed, modest income, no deposit, file already refused, company structure or purchase abroad: we look for the solution where others stop.

Let's talk about your project — free study, reply within 24 to 48 h.

Hypoprime – mortgage broker in Brussels – welcomes you atAvenue Vital Riethuisen 21, 1083 Ganshoren. View on Google Maps

• Monday to Saturday: 9 am – 7 pm
• Sunday: closed

You can also reach us on 02 410 17 34 or on 0472 75 10 91. We support our clients throughout the Brussels Region, especially in West Brussels (Anderlecht, Molenbeek, Forest, Saint-Gilles, Ganshoren…), as well as anywhere in Belgium.

There is no single rate: it depends on the term, the loan-to-value ratio, the quality of your file, the EPC of the property and the associated insurance.

That is why we put several banks in competition on your specific file. Simulate your monthly payment with an indicative rate.

• Fixed rate: the monthly payment stays the same for the entire term. It is the most secure option.
• Variable rate: it can start lower, but the monthly payment changes according to the revisions set out in the contract.
• Mixed rate: fixed for an initial period, then variable. It is a compromise.

We compare the scenarios on your file to help you choose with full knowledge. Fixed or variable rate in 2026: our analysis

They depend on the property price, the region and your situation, and come on top of the purchase price.

Benefits exist for your own and only home, subject to conditions: in Brussels, the €200,000 allowance can save you up to €25,000 in registration duties (for a property up to €600,000); in Flanders, the reduced rate is 2 % and in Wallonia 3 %. The rules change: always check the situation at the time of your purchase.

Estimate your costs with our simulator or read the complete guide to registration duties.

On top of the purchase price, plan in particular for:

• the notary fees and the registration duties;
• any application fees from the bank;
• the mortgage protection insurance, if the bank requires it;
• any valuation, renovation and moving costs.

We draw up with you an overall budget to avoid surprises. The figures in detail: cost of a mortgage in Belgium.

For a first analysis, you generally only need:

• If you are an employee: your last 3 payslips, your identity card, your recent bank statements and the details of your current loans;
• If you are self-employed: your latest tax assessment notices, your recent bank statements and the details of your current loans.

The complete file is then put together with us, according to your profile. The complete checklist by profile

More technical, not more complicated with the right support. Each bank values self-employed or director income differently: tax assessment notices, remuneration, dividends, benefits in kind.

We know which banks read your profile best and how to present your figures, for better chances of approval.

A refusal does not mean your project is impossible: each bank has its own criteria. We first analyse why the file was refused (income, deposit, expenses, presentation of the file), then we look for the most suitable bank and structure.

No one can guarantee approval, but we work to maximise your chances. Let's talk about your file. See also: mortgage after a refusal, what to do?

Yes. The income and expenses of each borrower are taken into account, and each one is committed to the bank. We check with you the best configuration (who borrows, with what split) before presenting the file.

Yes. We study the financing of apartments, houses and buy-to-let buildings intended for rental. Depending on each bank's policy, the expected rents can be taken into account in the analysis.

A larger deposit is sometimes required than for a main residence. We also study company structures. See the buy-to-let building loan

Yes. Refinancing allows you to lower your monthly payments or simplify your budget, in particular by reorganising your loans as part of a new mortgage.

Important: we only work within the framework of a mortgage refinancing. We offer neither personal loans nor the consolidation of consumer credits alone.

A reinvestment fee may be due to your current bank: we calculate it before any decision. Learn more about refinancing

It is possible, on one essential condition: having a property in Belgium to give as collateral. We then study the financing of your purchase in Spain, France, Portugal or elsewhere in Europe.

The complete guide to buying abroad from Belgium

No, on the contrary. Having your financing validated before viewing lets you know how much you can borrow, what monthly payment to plan for and what budget to aim for.

A purchase offer or a sales agreement can commit you quickly: it is better to have your financing validated before signing. Also think about the condition precedent of obtaining a loan: the 5 mistakes to avoid in the sales agreement.

You get a first reply within 24 to 48 h. After that, the timing depends on the bank and on how quickly the file is completed: the more complete your documents, the faster everything goes.

You have a dedicated, reachable contact person who keeps you informed of the progress of your file.

1. First conversation: your project, your situation, your borrowing capacity. Free and without commitment.
2. Simulation and comparison: we compare 7 banks, backed by figures.
3. Your property is found: we adjust the financing to the property and confirm the budget before you sign the purchase offer.
4. Set-up and negotiation: we build and defend your file with the chosen bank, and negotiate the rate and the term.

Start by simulating my mortgage