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Updated: October 2026
Buying in Uccle? Hypoprime, mortgage broker in Uccle and across the Brussels Region, compares 7 banks and negotiates your rate. House with a garden, flat or purchase before selling your current home: we build a financing plan that takes into account the often high amounts in Uccle, the deed costs and the abatement when it applies.
Sources: Statbel, via BX1; notaire.be.
Uccle, in the south of Brussels, is one of the greenest and largest municipalities in the Region. Between Wolvendael Park, Verrewinkel Wood, the Kauwberg and the edge of the Sonian Forest, its neighbourhoods are very varied: the very residential Vivier d’Oie and Observatoire, or Saint-Job, Fort-Jaco and Calevoet, with a more village-like character. You will find villas, mansions and many flats with a terrace or garden.
Uccle is one of the most expensive municipalities in Brussels. According to Statbel, via BX1, the median price of a flat there was €340,000 in the first quarter of 2025, and that of a house €705,000. These medians hide large gaps depending on the neighbourhood, the size and the condition of the property.
For a purchase in Uccle, three points often weigh on the file:
The abatement ceiling: the Brussels abatement only applies to properties of up to €600,000. Above that, the 12.5% registration duties apply to the whole price: better to plan for it from the start.
The amount borrowed: with high prices, the bank looks closely at the share of your income spent on repayments, and at your own funds.
The timing: if you are selling your current home to buy in Uccle, a bridging loan can bridge the two transactions.
Uccle 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 Uccle builds it into your financing plan from the outset.
| Purchase price | Duties without abatement | Duties with abatement | Saving |
|---|---|---|---|
| €340,000 | €42,500 | €17,500 | €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 €340,000, the median price quoted above. With the abatement, the registration duties come to €17,500, compared with €42,500 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 Uccle, 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.
A bridging loan can finance your purchase while you sell your current property. Bridging loan.
Purchase and renovation can often be financed together, based on quotes. EPC (PEB) and mortgages (in French).
Land, construction or a new flat: the loan is released in instalments as the work progresses. Construction loan.
A new rate, or consolidating loans as part of a mortgage refinancing. Refinancing.
Variable income or a company: we present a clear file, with the right supporting documents. Documents to prepare (in French).
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 Uccle was €340,000 in the first quarter of 2025, and that of a house €705,000. These figures are indicative: the actual price depends on the neighbourhood, the floor area, the condition of the property and its EPC.
Yes, because Uccle 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.
Then the abatement does not apply: according to notaire.be, it is reserved for properties of up to €600,000. The 12.5% registration duties therefore apply to the whole price. We take this into account in your financing plan; these costs remain your responsibility.
Yes, that is the purpose of a bridging loan: it temporarily finances your purchase while you sell. The bank analyses the value of your current home and your ability to carry both operations during the transition. See our bridging 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).
Talk to your notary and your broker first. Then include a loan condition (condition suspensive) with a realistic deadline: a bank’s approval often takes two to four weeks with a complete file. Also read the mistakes to avoid in the sales agreement (in French).
At our office, Avenue Vital Riethuisen 21, 1083 Ganshoren, easy to reach from Uccle. 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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