Financing a structured property project through your company
Investing in property through your company? Hypoprime, mortgage broker in Brussels, supports investment projects structured through a company and negotiates the terms with the banks, with an approach focused on the strength of the file and the security of the financing. We compare 7 partner banks for your project.
We mainly work on projects:
This type of financing is reserved for serious, well-prepared projects. If you are hesitating between investing in your own name or through a company, our page dedicated toproperty investment covers both approaches.
Each file is analysed as a whole:
Financing relies above all on the overall strength of the project, not only on the property in question.
In company financing, guarantees are decisive. The following can be taken into account:
The more secure the project, the more solutions there are. When a solid additional guarantee exists, for example a property already owned by the company or by a director, financing a larger share of the project can be considered.
A purchase through a company follows the same registration duty rules as a standard rental investment: the full rate applies, without the allowances reserved for an individual's own home. Estimate these costs with our simulator.
The taxation of a company purchase, taxation of rents, depreciation, VAT where applicable, differs significantly from that of a purchase in your own name. We structure the financing side, but the choice of the structure best suited to your situation is made with your accountant or tax adviser.
For the sake of transparency, some files cannot be supported:
We prefer to tell you straight away rather than waste your time on a file that will not go through.
We do not just do a simple simulation: we build a solid bank file.
Not necessarily. A company being set up in a structured way can be studied, provided the project is serious and prepared: consistent business plan, own funds available, guarantees identified. A company without a track record is analysed with more caution, but this is not an automatic block.
Own funds are required in most cases. The amount depends on the project, the available guarantees and the financial strength of the company. There is no single percentage: each file is calculated individually.
Yes, the rental income generated by the property can be included in the analysis, just like the overall profitability of the project. The calculation method varies by bank and depending on whether or not the company already has a rental track record.
The analysis covers the company itself (activity, results, structure) and its directors, in addition to the property project. Guarantees and the overall financial structure weigh more than in a purchase in your own name. The choice between the two depends on your tax and asset situation: we refer you to your accountant for that side.
No. We do not work on projects without own funds or guarantees, companies without a clear financial structure, exploratory requests without a real project, or unstable profiles. A serious, well-prepared project remains the basic condition.
Would you like to know whether your company project can be financed? Present your file to us for a personalised analysis. Answer within 24 to 48 h.
Study my company project Get my simulationArticle written and checked by the team at Hypoprime, FSMA-registered mortgage broker in Brussels. Any financing request remains subject to the lender's analysis and approval. Tax matters are for your accountant or tax adviser. Warning: borrowing money also costs money.
Would you like to know whether your project can be financed?
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