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Homeowner Loan: The Solution for Individuals on the National Bank’s List

Are you a homeowner and listed by the BNB? Don’t let a bad credit record block your projects. Discover how a homeowner loan, through a mortgage guarantee on your property, can give you back access to financing for your cash flow needs or debt consolidation.

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** A loan commits you and must be repaid. Check your repayment capabilities before committing.
The rates indicated are for information purposes only and subject to approval of your application.

The Homeowner Loan: A Second Chance for Listed Homeowners

The Homeowner Loan is a financing solution specifically designed for people who own a property in Belgium and are on the list of the National Bank of Belgium (BNB). Unlike traditional consumer loans, which are often refused in case of a bad credit record, this loan uses your property as a mortgage guarantee.

The Homeowner Loan is the ideal solution to:

  • Consolidate your debts: Centralize your existing loans (personal loans, credit cards) into a single loan with a single, and often lower, monthly payment.
  • Finance a major project: Carry out renovation work, finance your children’s education, or any other life project despite your situation.
  • Handle an unexpected expense: Cover medical costs, a large bill, or inheritance taxes without financial stress.
  • Get cash flow: Free up cash to manage your budget more calmly or to seize an opportunity.

Thanks to the value of your property, you offer security to the lender, which helps bypass the blockage related to the credit listing. Our online simulation allows you to quickly estimate:

  • The amount you can borrow based on the value of your property.
  • The suitable monthly payment to clean up your budget.
  • A longer repayment period to lighten your load.

The Homeowner Loan is an opportunity to start over on a healthy financial footing, bring your projects to life, and escape the dead end of a bad credit record.

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Free • No obligation • Solution for listed homeowners

Smiling homeowner in front of his house, having found a financial solution

Key Advantages of the Homeowner Loan to Break the Impasse

This financing solution was designed to specifically address the difficulties faced by listed homeowners:

  • Access to credit despite a BNB listing: This is the main advantage. Where doors close, homeownership status opens a new financing possibility.
  • Flexibility in amounts and terms: Borrowable amounts can be higher than a classic personal loan, and repayment terms can be longer, significantly reducing the monthly burden.
  • The ideal solution for debt consolidation: Centralize all your credits and debts into one. You simplify your management and achieve long-term financial stability.
  • Rebuild your financial health: By paying off your overdue debts, you take the first step toward having your listing removed and giving your financial future a positive outlook.

With these benefits, the Homeowner Loan isn’t just a loan; it’s a powerful tool to regain control of your finances and move forward again.

The Steps to Get Your Homeowner Loan

Our process is transparent and tailored to your specific situation.

1. Simulation & Application

Use our simulator for a first estimate. Then, fill out the secure online application form with your information.

2. File Analysis

Prepare your documents (ID, income) and especially your property title deed. Our experts analyze your file and the project’s feasibility.

3. Property Appraisal

An appraisal of your property is conducted by a professional to determine its value, which forms the basis of the mortgage guarantee.

4. Signing the Deed

Upon approval, you sign the loan offer and the mortgage deed before a notary, ensuring full legal security.

5. Disbursement of Funds

The funds are released. If it’s a consolidation, we directly repay your creditors. Any remaining balance is paid to you.

Our specialized advisors will guide you at every step, with discretion and professionalism, to find the best solution.

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Signing a notarial deed for a mortgage guarantee

Clear Conditions Tailored to Your Homeowner Status

The Homeowner Loan is a mortgage loan. Its conditions are therefore different from a simple personal loan:

  • The Mortgage Guarantee: This is the cornerstone of the system. You give your property as a guarantee to the lender. This involves going to a notary to register a mortgage, which makes the loan possible.
  • Extended Repayment Term: The terms can be spread over 10, 15, 20 years or more, like a classic mortgage. This allows for a very low monthly payment, even for large amounts.
  • Appraisal and Notary Fees: Be aware that this type of loan incurs initial costs: appraisal fees to value your property and notary fees for the mortgage deed. We will provide you with a clear estimate from the start.
  • Early Repayment Possible: As with any loan, the law allows you to repay your loan early, subject to legal prepayment penalties.

Our role is to explain every step and every cost with full transparency so that you can make an informed decision.

Use the Homeowner Loan to Rebuild Your Financial Future

This loan is not an end in itself; it’s a lever to start over on a solid foundation.

Escape Over-Indebtedness

Use debt consolidation to pay off all your current debts and stop the cycle of late payments. You can breathe again.

Regain a Single Monthly Payment

No more multiple debits on different dates. You’ll have just one clear monthly payment, tailored to your current budget.

Finance New Projects

Once your situation is cleared up, you can look to the future. A homeowner loan can include extra cash for the projects you care about.

By using your property wisely, you turn a problem (the credit listing) into a sustainable solution for your financial future.

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Happy family in front of their house, projects restarted thanks to the homeowner loan

Testimonials: They Found Financial Peace of Mind Again

“We were listed by the BNB due to professional difficulties. No bank would listen to us. Thanks to the homeowner loan, we were able to consolidate our debts and even finance our roof insulation. It was our only way out, and everything was handled with great professionalism.”

Nathalie and David, from Charleroi

“I had several consumer loans and late payments. My situation had become unmanageable. As a homeowner, I was offered this solution. My monthly payment was cut in half! I can finally see the light at the end of the tunnel. A real relief.”

Karim, from Brussels

Our clients particularly appreciate:

  • The concrete solution provided for a blocked situation.
  • The listening and discretion of our advisors in a difficult situation.
  • The clarity of the explanations on how the mortgage guarantee works.

Homeowner Loan FAQ

Find answers to frequently asked questions about the Homeowner Loan, the financing solution for homeowners listed by the National Bank of Belgium (BNB).

A Homeowner Loan is a type of mortgage loan. It is intended for people who own a property but are also on the blacklist of the National Bank of Belgium (BNB listing) due to past payment defaults.

The principle is simple: since your credit history does not allow you to get a standard loan, you use the value of your house or apartment as a guarantee. By taking out a mortgage on your property, the lender has security that allows them to grant you a loan despite the listing. It’s a solution for obtaining liquidity, consolidating debts, or financing a project when all other doors are closed.

Yes, that is precisely the purpose of this product. Eligibility for a Homeowner Loan is based on two main criteria, which take precedence over the listing:

  • Owning a property in Belgium: Your property must have sufficient value to cover the amount of the new loan as well as any existing debts associated with it (like an ongoing mortgage).
  • Having repayment capacity: You must have a regular income (salary, pension, rental income, etc.) sufficient to pay the new single monthly payment after your other expenses are deducted.

The BNB listing is a factor we consider, but it is not an insurmountable obstacle if you meet these two key conditions. Each file is analyzed individually to find a viable solution.

The mortgage guarantee is an official legal act performed before a notary. In practice:

  1. The lending institution and you sign a mortgage loan deed.
  2. The notary registers this deed. This registration gives the lender a right over your property.
  3. This right means that if you stop repaying your loan, the lender can, as a last resort, seize and sell the property to recover their money.

It is crucial to understand that this is a serious commitment. However, it is also this mechanism that allows you to obtain financing. The goal is to structure the loan so that your monthly payments are manageable, to avoid reaching this extreme.

As a mortgage loan, a Homeowner Loan involves specific fees that do not exist for a personal loan. You should expect:

  • Appraisal fees: To estimate the value of your property by an independent appraiser.
  • Notary fees: These cover the notary’s fees, registration duties, and administrative costs for registering the mortgage. These fees are regulated and depend on the amount borrowed.
  • File or processing fees: Fees charged by the credit institution for studying and setting up your file.

It is important to note that these fees can usually be included in the total loan amount, so you don’t always need to pay them out of pocket. We will provide you with a detailed simulation including all these costs with full transparency.

Yes, this is one of the most common and beneficial uses. Debt consolidation through a homeowner loan allows you to:

  • Repay all your creditors: The loan amount is used to pay off your personal loans, credit card balances, payment arrears, etc.
  • Simplify your budget: You will only have one loan to repay, with a single monthly payment on a fixed date.
  • Reduce your monthly burden: By spreading the repayment over a longer period, the new single monthly payment is often much lower than the sum of all your old monthly payments.
  • Clean up your situation: By paying off the debts that caused the listing, you take the first step to clearing your record at the BNB (the listing is removed 1 year after the full repayment of the debt).

To analyze your Homeowner Loan application, we will need a complete file. Please prepare the following documents:

  • Identity documents: Your ID card.
  • Proof of income: Recent payslips, tax assessment notice, proof of pension or other income.
  • Proof of expenses: Bank statements showing your rent (if applicable for another property), charges, etc.
  • Documents related to your current loans: Contracts or latest statements for all the loans you wish to consolidate.
  • Documents related to your property (most important): Your title deed. If you already have a mortgage on this property, the amortization schedule for that loan will also be required.

Having these documents ready will greatly speed up the analysis of your file.

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