Warning, borrowing money also costs money.
CPE negotiates the best rate for your loan
Don’t settle for the first offer you get. As an expert broker, CPE places numerous financial institutions in competition to guarantee you the most advantageous terms on the market. Our mission: to reduce the cost of your loan and maximize your savings.
Discover your best rateLegal Notice
** 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 best rate, whatever your project
Each type of loan has its own specifics and its own rate market. Our expertise lies in knowing these markets perfectly to find the best opportunity for you, whether you are in Belgium or Luxembourg.
We negotiate for all your financing needs:
- Mortgage Loan: We compare mortgage loans to find the lowest fixed or variable rate and the most flexible terms for your property purchase.
- Car Loan: Benefit from our negotiating power to get a promotional rate on the financing for your new car or motorcycle.
- Renovation & Home Improvement Loan: A favorable rate is crucial for the profitability of your project. We search for the offer that best eases your budget.
- Personal Loan: Even without proof of purchase, the rate makes all the difference. We find the cheapest loan for you.
- Debt Consolidation: The goal is to reduce your monthly payment. We negotiate a new, single rate that is lower than the average of your old loans.
Don’t leave your loan’s rate to chance. Use our simulator to see the impact of a good rate on your monthly payments and start the search for the best offer on the market.
Free • No obligation • Quick initial response
Our negotiating power: your greatest asset
Why do you get better terms with CPE? Because we act as a major business provider for banks, which gives us real negotiating leverage.
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A comprehensive market comparison: We don’t limit ourselves to one or two banks. We analyze offers from numerous lenders to identify the one that is truly the most competitive for your profile.
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A high volume of applications: By bringing a large number of quality applications to financial institutions, we obtain preferential terms that you couldn’t get on your own.
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Optimizing your application: We know exactly what banks want to see. We help you present your application in its best light to aim for the lowest rate.
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Complete independence: We don’t work for a bank; we work for you. Our sole objective is to defend your interests and find the cheapest loan.
With CPE, you put all the odds on your side to pay less and save thousands of euros over the life of your loan.
The path to the best rate in 5 steps
We have streamlined our process to save you time and money.
1. Project Definition
Simulate your loan and submit your request. This first step helps us understand your needs.
2. Starting the Comparison
Upon receiving your documents, we immediately begin consulting our financial partners.
3. Negotiation and Selection
We analyze the feedback, negotiate the terms, and select the offer with the lowest rate for you.
4. Proposal and Signature
You receive our best proposal. If it suits you, you can sign the contract easily (often online).
5. Completion and Savings
The funds are released. You can start your project knowing you have secured the best possible terms.
Stop wasting time approaching banks one by one. We do it for you, better and faster.
The expertise that lowers rates
Getting the best rate isn’t just a matter of luck. It’s the result of deep expertise in the credit market:
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Knowledge of lender policies: Each bank has its own acceptance criteria and “target profiles.” We know who to send your application to for the best terms.
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Decoding offers: A low “teaser” rate can hide other fees. We analyze the APR (Annual Percentage Rate) and every line of the contract to guarantee you the cheapest overall offer.
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Strategic advice: Sometimes, slightly adjusting the loan term or amount can give you access to a better rate tier. We advise you on how to optimize your application.
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A single point of contact for dozens of offers: You save precious time. Your CPE advisor centralizes everything and fights for you behind the scenes.
Using CPE means enlisting the services of a professional negotiator for your personal project.
More than a rate: real savings
A lower interest rate has a direct and significant impact on your finances. Here’s how:
Lower monthly payments
The most immediate effect: a lower rate reduces the amount of each monthly repayment, freeing up purchasing power for your daily life.
Reduced total cost of credit
Over the entire term of the loan, even a small difference in the rate can amount to thousands of euros in interest savings. That’s money that stays in your pocket.
Greater borrowing capacity
By getting a better rate, you can, for the same monthly payment, borrow a larger amount and thus aim for a more ambitious project (a better-equipped car, more extensive renovations…).
Never underestimate the importance of the rate. It is the main lever for a successful and cost-effective loan.
They saved thanks to our negotiation
“My bank offered me a rate for my renovation loan that I found high. I submitted a request to CPE without much hope. The result: they found me an offer with a rate 0.5% lower! Over 5 years, the savings are far from negligible.”
“For our mortgage, CPE’s help was decisive. Not only did they find the best rate, but they also negotiated the waiver of application fees. The service is excellent, and the savings are very real. I recommend them 100%.”
What our clients appreciate most:
- The concrete savings made on the total cost of the loan.
- Access to offers they wouldn’t have found on their own.
- The transparency in comparing offers and choosing the best one.
FAQ: Getting the Best Rate
All the answers to your questions about our rate negotiation service in Belgium and Luxembourg.
A broker like CPE gets better rates for three main reasons:
- Competition: We consult numerous lenders simultaneously. This competition encourages them to offer their best deal to win your business.
- Volume of Business: We bring a large number of applications to the banks. This volume gives us negotiating power that an individual does not have. We can access preferential rate sheets.
- Application Expertise: We know how to present your application to make it attractive and reassure the lender, which is a key factor in obtaining a favorable rate.
No, for you, the service is transparent. As a broker, our payment comes from the financial institution that grants the loan, in the form of a commission. This does not change the cost of your loan. On the contrary, our goal is to find you the cheapest loan possible. The simulation and review of your application are completely free and without obligation.
The APR (Annual Percentage Rate) is the most important indicator for comparing loan offers. It is expressed as an annual percentage of the total loan amount.
Unlike the nominal interest rate, the APR includes all mandatory fees associated with obtaining the loan:
- Interest (the nominal rate).
- Application fees.
- Mandatory insurance costs (if applicable).
- Other fees imposed by the lender.
Therefore, the APR reflects the true cost of your loan. It is on this indicator that we base our comparison to guarantee you the most economical offer.
The online simulation gives you an excellent estimate based on current market rates for a standard profile. However, the final, personalized rate depends on the complete analysis of your application (income, expenses, professional situation, etc.) by the lending institutions.
Our role is precisely to take this simulation as a starting point and use our expertise to turn this estimate into a firm contract offer at the best possible rate for your unique situation.
Our process is very fast. Once your application is complete (request + supporting documents), the timelines are as follows:
- For consumer loans (car, renovation, personal): We generally get the first responses from lenders and can present you with the best offer within 24 to 48 business hours.
- For a mortgage loan: As the analysis is more complex, it takes a few days to receive and thoroughly compare the offers.
In any case, our efficiency saves you valuable time compared to applying individually.