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Updated: October 2026
Buying in Saint-Gilles (Sint-Gillis)? Hypoprime, mortgage broker in Saint-Gilles 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.
Source: notaire.be.
Saint-Gilles, south of the centre, is a very dense municipality, known for its Parvis, the Barrière, its town hall and its Art Nouveau heritage, including Victor Horta’s house, now a museum. Part of Brussels-South station lies within its boundaries. The supply consists mainly of flats, often in former town houses that have been split up, and of mansions.
The municipality’s vibrancy and its proximity to the centre keep the market active, for buying as well as renting. It is therefore best to know your budget, costs included, before making an offer.
For a purchase in Saint-Gilles, the bank and the notary often look at:
The division of the property: a house split into flats must have the corresponding planning permits; your notary checks this before the deed.
Co-ownership: charges, reserve fund and voted works appear in the minutes of the general meetings; they weigh on your budget.
The condition and the EPC: an older property may need work, to be included in the budget. See EPC (PEB) and mortgages (in French).
Saint-Gilles 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 Saint-Gilles builds it into your financing plan from the outset.
| Purchase price | Duties without abatement | Duties with abatement | Saving |
|---|---|---|---|
| €300,000 | €37,500 | €12,500 | €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 €300,000 (an example price, not a market average). With the abatement, the registration duties come to €12,500, compared with €37,500 without it. On top of this come the notary’s fees and the deed costs, which you pay.
Now assume a loan of €270,000 over 25 years, at an illustrative fixed rate of 4%. The monthly repayment, excluding insurance, is about €1,425. At 3.70%, it falls by about €44 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 Saint-Gilles, 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.
Yes, because Saint-Gilles 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 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.
Yes. The bank then analyses the expected rents, the condition of the property and your overall situation. The abatement is reserved for your only own home. See our investment building loan page.
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 Saint-Gilles. 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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