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Transform Your Home with a Renovation Loan!
Whether you want to refresh a room, modernize your interior, or undertake an energy-efficient renovation, our Renovation Loan is the key to achieving your ambitions in Belgium and Luxembourg. Simulate your project and give your home a new lease on life.
Simulate my Renovation LoanLegal 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 Renovation Loan: Give Your Property a New Lease on Life
The Renovation Loan is the tailor-made financing solution to modernize, embellish, or improve the comfort of your residence. It is a specific-purpose installment loan, which means the funds are dedicated to your renovation project, often allowing you to benefit from more favorable terms than a classic personal loan.
What renovation projects can you finance?
- Renovation of living spaces: Modernizing the kitchen, complete bathroom renovation, redoing floors, painting and decoration work.
- Improving energy performance: Insulating attics and walls, replacing window frames, installing a heat pump or solar panels (Green Loan).
- Upgrades and safety: Renovating the electrical system, bringing plumbing up to code, reinforcing the structure.
- Exterior renovations: Facade refurbishment, renovating a terrace, creating a landscaped garden, modernizing a swimming pool.
- Space transformation: Converting attics into a bedroom or office, transforming a garage into a living space.
Our Renovation Loan simulation allows you to instantly find out:
- The total budget you can allocate to your renovation.
- Your personalized monthly repayment amount.
- The most comfortable term for your loan.
The specific-purpose nature of the Renovation Loan is a safeguard: it guarantees that your investment is truly used to enhance your property’s value. Presenting quotes or invoices is necessary to release the funds and benefit from the best rates.
Free • No obligation • Quick initial response
The Major Advantages of the Renovation Loan
Choosing a Renovation Loan for your project means opting for an optimized financing solution:
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Attractive interest rates: As the loan is tied to a real estate project, rates are generally lower than those for a personal loan. For energy-efficient renovations, the terms are even more favorable.
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Increase in your property’s value: Every euro invested in a quality renovation translates into added value for your real estate assets.
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Secure and transparent financing: The use of funds is justified by quotes and invoices, ensuring you have rigorous budget management and protecting all parties.
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Flexibility of amount and term: The loan adapts to the scale of your project, whether it’s for a simple refresh or a complete overhaul.
The Renovation Loan is therefore the ultimate financial lever to bring the transformation of your home to life with complete peace of mind.
Your Renovation Loan in a Few Simple Steps
We’ve simplified the process so you can focus on what’s essential: your project.
1. Online Simulation
Use our simulator to define the amount for your renovation and instantly see your monthly payments.
2. Application Submission
Complete our form in a few minutes and attach the necessary documents (proof of income, ID, and work quotes).
3. Analysis and Offer
Our renovation loan experts review your application and send you a detailed, no-obligation loan offer.
4. Contract Signing
After accepting the offer, you sign the contract, most often electronically for greater speed.
5. Release of Funds
The funds are released to your account or directly to the contractor so your renovation work can begin!
At each step, a dedicated renovation financing advisor is there to guide you and answer your questions.
Financing Tailored to Your Renovation Project
We adapt the terms of your Renovation Loan to the reality of your project and your financial situation:
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Fixed monthly payments for full visibility: Most of our renovation loans are at a fixed rate. Your monthly payments do not change, giving you control over your budget from A to Z.
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An adaptable repayment term: The loan term (e.g., from 24 to 120 months) is adjusted based on the amount borrowed to ensure the monthly payment remains comfortable.
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The freedom to repay faster: The law allows you to make an early repayment of your loan, either in part or in full. Prepayment fees, capped by law, may apply.
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A process based on concrete proof: To activate the loan, signed quotes from contractors or pro-forma invoices for materials are required. This guarantees the funds are used properly.
This structured approach offers you the best way to finance the metamorphosis of your home.
Tips for a Successful Renovation and Controlled Financing
Good preparation is the secret to a stress-free renovation project and a perfectly tailored loan.
Precisely Assess Your Needs
List all desired renovations. Request several quotes from qualified contractors to compare prices and services. Be specific in your requests.
Budget with the Simulator
Based on your quotes, use our renovation loan simulator to find the best balance between the amount, term, and your monthly payments.
Build a Solid Application
Prepare all documents in advance: ID, pay slips, and especially, the quotes signed for agreement. A complete application speeds up the decision.
By following these steps, you will approach your project with confidence and peace of mind.
They transformed their home thanks to the Renovation Loan
“Our bathroom was from the 80s, it wasn’t functional at all. The Renovation Loan from CPE Crédit allowed us to tear everything down and create a modern, pleasant space. The process was very simple, based on our installer’s quote.”
“I bought an old apartment with great potential in Esch-sur-Alzette. The Renovation Loan was essential for financing the electrical upgrade, laying new flooring, and painting. My property has increased in value enormously!”
What our clients appreciate most about our Renovation Loan:
- The simplicity of the process, from the online simulation to the signing.
- The personalized support from an advisor who understands the stakes of a renovation project.
- The advantageous rates, especially for renovations that improve energy performance (EPC).
Renovation Loan FAQ
Find answers to your questions about the Renovation Loan. The ideal solution for financing the modernization and enhancement of your property in Belgium and Luxembourg.
The main difference lies in the purpose. The Renovation Loan is a “specific-purpose” loan: you must prove that the funds are used for specific renovation work (via quotes, invoices). In exchange for this constraint, the interest rate is generally lower.
A personal loan is “non-specific”: you can use the money as you see fit, without justification. This freedom comes at a cost: the interest rate is often higher. For a renovation project, the Renovation Loan is therefore almost always the most economical solution.
The Renovation Loan is very flexible. It can cover:
- Functional renovations: Redoing a kitchen, a bathroom, replacing plumbing.
- Aesthetic renovations: Painting, laying new floors (hardwood, tile), creating walk-in closets.
- Energy renovations: Insulation, new windows, a more efficient heating system (which may qualify for a “Green Loan” at a reduced rate).
- Structural renovations: Roof repair, facade treatment, attic conversion.
- Exterior improvements: Renovating a terrace, building a fence, etc.
The key is that the work aims to improve or transform an existing property.
Yes, in most cases. If you are undertaking a complete renovation of a room, items that are “attached” to it can be included.
- For a kitchen: kitchen cabinets, countertops, the sink, and built-in appliances (oven, hob, extractor hood) are financeable as they are an integral part of the renovation.
- For decoration: painting, fixed light fixtures, and floor coverings are of course included. Financing “movable” furniture (sofa, table) is rarer and typically falls under a personal loan.
The general rule is that if the item is included in the overall renovation quote from a professional, it can be financed.
Using professionals is the most common and simplest way to get a Renovation Loan, as you simply provide their quotes.
However, if you have the skills to do the work yourself (DIY renovation), it is often possible to finance the purchase of materials. In this case, instead of contractor quotes, you will need to provide pro-forma invoices or purchase orders from hardware stores or material suppliers.
Discuss this option with your advisor, as conditions may vary. Labor (your time) is obviously not financeable.
For a large renovation project that spans over time, it is rare for the full amount to be paid out at once. The funds are usually released progressively:
- Payment of down payments: You can request an initial release to pay the deposit required by the contractor to start the work.
- Payment upon interim invoices: As the work progresses (e.g., after the structural work, after the window frames are installed), you present the corresponding invoices to release the next installments.
- Payment of the balance: The final part of the loan is released to pay the final invoice upon completion of the project.
This method is secure: it ensures that the money is used wisely and you only pay interest on the amounts that have actually been released.