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Are you buying a house or an apartment in Belgium? Hypoprime, mortgage broker in Brussels, compares 7 banks and negotiates your rate to finance your home, main or second residence, with or without own funds. Depending on your profile and guarantees, some banks finance up to 100 % of the purchase price; notary fees and registration duties normally remain at your expense. Free study, answer within 24 to 48 h.
Getting a mortgage in Belgium is not just about comparing rates: each bank has its own approval criteria, its own way of calculating your borrowing capacity and its policy of the moment. For the same file, the difference in conditions, and sometimes in decision, between two banks is considerable.
Our role is therefore to analyse your situation, structure your file and present it to the banks best suited to your profile. Employee, self-employed, first-time buyer or already an owner: we build your file and defend it with the banks, for better chances of approval.
It is one of the most frequent questions: do you need large own funds to buy in Belgium? The honest answer: not always.
The 100 % loan : several of our partner banks finance the full price of the property for good profiles, especially first-time buyers with stable income.
Purchase costs still need to be planned for : a 100 % loan covers the price of the property, not the registration duties or the notary fees. You therefore need savings at least equal to these costs.
However, these formulas are reserved for solid files, and this is precisely the kind of solution a broker knows how to identify and negotiate. Each situation is analysed individually: no financing without own funds can be guaranteed before the complete study of the file.
Also, if your savings are limited, do not give up before doing the maths: read our guide to buying without own funds or test your borrowing capacity.
In principle, no. Purchase costs (registration duties, notary's fees, mortgage deed costs) are added to the price of the property and remain at your expense, even when the bank finances 100 % of the price. Their amount depends mainly on the region:
That is why, before signing an offer, calculate the total cost of your purchase with our notary fees simulator, so you will know exactly what savings to plan for. The detailed rules are also available on the website of the Belgian notaries.
First, getting a mortgage in Belgium does not depend only on your income. Banks analyse the quality of the property, including its EPC which increasingly influences the rate, the overall consistency of the project, your financial stability and the balance between your charges and your income.
Then we structure your file in a clear and solid way, for better chances of approval, and we know which bank will best value your income: for the same household, the difference in borrowing capacity between two banks can be significant.
Based in Brussels, we support borrowers throughout Belgium, and each region has its own rules, which change the total cost of your purchase:
Finally, calculate your costs precisely with our notary fees simulator, or read the complete guide to registration duties.
A single point of contact to analyse, build and defend your file.
Yes, for certain profiles, especially first-time buyers with stable income. In 2019, the National Bank of Belgium asked banks to limit the share of loans exceeding 90 % of the property value, leaving a wider margin for first-time buyers. A 100 % loan finances the purchase price; the purchase costs remain at your expense. The choice of bank makes all the difference.
In principle, no: the purchase costs (registration duties, notary fees, loan deed) are paid with your savings. That is why own funds at least equal to these costs are generally still needed, even for a loan of 100 % of the price.
In most cases, own funds covering at least the purchase costs are still needed. Their amount depends greatly on the region and your situation: in Brussels, the allowance can reduce them considerably. Estimate them with our notary fees simulator; each file is then calculated individually.
With a complete file, generally count on two to four weeks between submitting the application and approval, a period to anticipate in the conditional clause of your purchase offer.
Yes. We are paid by the bank that grants the loan, only if your file goes through. You pay no fees or additional file costs, and the rate obtained is not increased as a result.
Free study of your borrowing capacity, analysis of your project, proposal of suitable solutions and defence of your file with the banks. Answer within 24 to 48 h.
Request an analysis Request a call backArticle written and checked by the team at Hypoprime, FSMA-registered mortgage broker in Brussels. The possibility of financing up to 100 % of the price depends on your profile and the banks' policy; purchase costs still need to be planned for. A complete analysis is essential. Warning: borrowing money also costs money.
Would you like a mortgage in Belgium or abroad, with or without significant own funds?
We offer you a personalised analysis:
In most cases, own funds are still needed to cover the costs of the purchase (notary, related costs).
The possibility of financing up to 100 % of the price depends on your profile and the overall quality of the file.
A complete analysis is essential.
Leave us your details: a broker will call you back at a time that suits you. Free and without commitment.
Your details are only used to contact you about your request. Privacy policy