Owner Credit: Unlock the Value of Your Property to Regain Financial Flexibility
Owner credit allows you to turn the value of a property you own into a powerful financial lever. Whether you need to finance renovation work at an attractive rate or overcome a temporary cash-flow issue, this solution helps you breathe again while keeping control of your real estate.
Self-employed, liberal professional, listed borrower or simply owner wanting to improve your comfort: owner credit can be adapted to your situation, under clear and well-defined conditions.
Get your free simulation for Owner CreditTurn Your Property into a Financial Asset
Using your property as a guarantee, owner credit can:
- Fund renovation or improvement work at an attractive APR.
- Provide liquidity in case of temporary financial difficulties.
- Help consolidate several debts into one structured solution.
A tailored tool for owners who want to manage their finances proactively and responsibly.
What Is Owner Credit?
Owner credit is a financing solution reserved for people who already own a property (house, apartment, etc.). It allows you to obtain a loan on favorable terms because the value of your property is taken into account. This can be used either to improve your home or to obtain liquidity when you are facing a tight financial period.
In reality, there are two main forms of owner credit, each meeting a different objective. Understanding these two approaches will help you choose the formula that best suits your project and your current financial situation.
Owner Credit for Improving Your Property
In its first form, owner credit is similar to a classic installment loan, but with a clear advantage: you benefit from an attractive APR because you are the owner of the property in which the improvements will be made.
You might, for example:
- Install a new fitted kitchen.
- Replace your windows and frames to improve insulation.
- Carry out comfort or energy-efficiency works that increase the value of your home.
In all these cases, you borrow to upgrade the property you already own. This is similar to an installment loan, but with more favorable conditions thanks to your owner status.
Owner Credit to Overcome Temporary Financial Difficulties
The second form of owner credit is closer to a classic mortgage loan. Your home is used as collateral so that you can obtain liquidity to get through a temporary period of financial pressure.
This can be particularly useful if:
- You are self-employed and waiting for the payment of an important invoice.
- You are a liberal professional temporarily suffering from late or unpaid clients.
- You are already listed due to the non-payment of several installments of an existing loan.
By using your property as security, you can access funds that help you stabilize your financial situation and regain breathing space, while benefiting from a structured repayment plan.
Who Is Owner Credit Intended For?
Owner credit is primarily intended for people who already own a property and who wish to use it as leverage to finance a project or manage a temporary financial strain. The product can be adapted to different profiles, as long as the basic conditions are met.
Owners Improving Their Comfort
If you own a house or apartment and want to improve its comfort, you can take out owner credit to finance your improvements at an attractive rate. The fact that you are an owner reassures the lender and can allow you to benefit from better borrowing conditions than with a standard consumer loan.
Self-Employed, Liberal Professionals, and Listed Borrowers
Under certain conditions, self-employed workers, liberal professionals or even people already listed due to unpaid installments can access owner credit. The goal is then to obtain liquidity to get out of a temporary debt situation, by relying on the value of a property they own.
Conditions to Benefit from Owner Credit
To access owner credit, certain basic criteria must be met. These conditions are meant to protect both the borrower and the lender, and to ensure that the loan remains sustainable over the long term.
- Residence: You must be domiciled in Belgium or Luxembourg.
- Property Ownership: You must own a house or property located in Belgium or Luxembourg.
- Minimum Amount (for mortgage-type owner credit): When the owner credit takes the form of a mortgage loan, it is generally advisable to borrow a minimum of €25,000 to cover the costs of establishing the mortgage (notarial deed and related fees).
- Situation of the Property: Ideally, the property should be unencumbered or, at the very least, the repayments of any existing loans on the property must be made regularly.
Each application is analyzed individually, taking into account your income, your charges, the value of your property and your overall financial situation. A credit expert can help you determine the most suitable structure for your needs.
Key Advantages of Owner Credit
Beyond immediate access to liquidity or financing for your projects, owner credit offers several strategic advantages for owners who want to manage their finances intelligently and anticipate the future.
Potentially More Attractive Rates
Because your property serves as a guarantee, you may benefit from more favorable APRs than with a classic consumer loan, especially when the funds are used to improve your home and increase its value.
Regain Cash Flow and Stability
Owner credit can help you get through a period of financial pressure, for example due to late client payments, while smoothing your repayments over a term tailored to your budget and objectives.
Leverage Your Property Responsibly
Instead of selling your property or multiplying small, expensive loans, you can centralize your needs into a structured solution, based on the actual value of your home and a transparent repayment schedule.
Ready to Explore Your Owner Credit Options?
Get a personalized, no-obligation simulation and discover how the value of your property can help you finance your projects or regain financial balance in 2026.