Warning, borrowing money also costs money.
Discover our Mortgage Loan solution, designed to finance the purchase of your primary residence, second home, or a rental investment in Belgium and Luxembourg. Simulate your borrowing capacity and take the first step towards homeownership.
Simulate your Mortgage Loan
** 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.
A Mortgage Loan (or home loan) is a long-term loan specifically intended to finance the purchase, construction, or major renovation of a property (house, apartment). Its unique feature lies in the guarantee it involves: a mortgage taken out on the financed property, in favor of the lending institution. Available in Belgium and Luxembourg, it is the most common solution for becoming a homeowner.
Thanks to our online Mortgage Loan simulation, you can instantly estimate:
A Mortgage Loan involves generally high amounts and long repayment periods. It requires a thorough analysis of your financial situation and the creation of a solid application file, including an appraisal of the property and an appointment with a notary for the mortgage registration.
Free • No obligation • Get a first estimate
The Mortgage Loan is the prime route to homeownership, offering benefits tailored to the scale of the investment:
A Mortgage Loan is a major financial commitment. It is crucial to prepare your project thoroughly and to get expert guidance to choose the most suitable formula (rate, term, insurance).
Financing a property is a structured process. Here are the main steps:
Define your budget and your personal contribution. Use our simulator for an initial estimate of your borrowing capacity and monthly payments.
Fill out the online application. Prepare a complete file: ID, income, expenses, details of the property project (preliminary sales agreement, if available).
Our specialized advisors analyze your financial situation and the feasibility of your project in detail. A property appraisal may be requested.
If your application is approved, you will receive a formal loan offer (European Standardised Information Sheet – ESIS) detailing all the conditions.
After accepting the offer, the loan agreement and purchase deed are signed at the notary’s office. The funds are then released for the property acquisition.
Our expert home loan advisors will personally guide you through every step of this important life project.
Choosing the rate type is a crucial decision for your Mortgage Loan. Here are the main options:
Other important conditions include outstanding balance insurance (often required, it covers the loan in case of death) and home insurance (mandatory). Our advisors will help you choose the loan structure best suited to your profile and project.
A successful property project starts with good preparation. Here are the keys to approaching your financing with peace of mind.
Calculate your personal contribution (available savings). Determine the amount of monthly payments you can comfortably afford, considering your income and current expenses.
What type of property (house, apartment)? What location? What are your essential criteria (number of bedrooms, garden, etc.)? A clear vision of your search is essential.
Prepare your proof of identity, income (payslips, tax assessments), expenses (bank statements), and personal contribution. A well-prepared file speeds up the analysis.
Good preparation will allow you to negotiate your purchase with confidence and obtain your Mortgage Loan more easily.
“Buying our first house was a big step! CPE Crédit guided us from A to Z, from the simulation to the signing at the notary’s office. Our advisor was very patient and answered all our questions about rates and insurance. A huge thank you!”
“We were looking to finance an apartment as a rental investment. CPE Crédit was able to offer us a Mortgage Loan solution tailored to this type of project, with clear conditions. The process was simpler than we imagined.”
Our clients particularly appreciate for their Mortgage Loan:
With the right Mortgage Loan, your dream of becoming a homeowner is within reach. We are here to help you make it a reality.
Find detailed answers to the most frequently asked questions about our Mortgage Loan (home loan) here. This solution is designed to finance your property project in Belgium and Luxembourg.
A Mortgage Loan (or home loan/property loan) is a long-term loan taken from a financial institution to finance the purchase, construction, or major renovation of a property (house, apartment).
Its main specificity is the guarantee it requires: a mortgage. The mortgage is a legal claim granted to the lender on the financed property. In case of non-repayment of the loan by the borrower, the lender can, as a last resort, have the property sold to recover the amounts due. This solid guarantee allows lenders to offer large amounts and long terms at interest rates that are generally lower than consumer loans.
The personal contribution (or down payment) is the sum of money you can invest from your own savings into your property project. It has become an almost essential element for obtaining a Mortgage Loan.
As a general rule, lenders require your contribution to cover at least:
Ideally, a larger personal contribution (e.g., 10%, 20% or more of the property’s purchase price, in addition to the fees) is a major asset:
Borrowing 100% of the property price plus fees has become very rare and is subject to very strict conditions (excellent borrower profile, high income, etc.). Discuss your contribution situation with our advisors.
The choice between a fixed rate and a variable (or adjustable) rate is an important decision that depends on your risk profile and long-term vision.
There is no single “best” choice. It depends on your risk aversion, the interest rate environment at the time of borrowing, and your financial outlook. Our advisors will help you analyze the options.
The repayment term for a Mortgage Loan is generally long because the amounts borrowed are significant. The most common terms range from 10 to 25 years.
Certain factors can influence the maximum possible term:
Choosing the right term is a balance between manageable monthly payments and a controlled total cost of credit. A personalized simulation with our advisors will help you see more clearly.
Several insurance policies are generally associated with a Mortgage Loan:
CPE Crédit can advise you and offer competitive insurance solutions through its partners, but you are generally free to choose your insurer (especially for outstanding balance and home insurance), provided the coverage is equivalent to that required by the lender.
Buying a property involves significant costs in addition to the price of the property itself. It is crucial to anticipate them:
In total, these fees can represent a significant percentage of the purchase price (for example, 10% to 15% in Belgium for an existing property). This is why the personal contribution is so important to cover them. Our advisors will help you estimate these costs for your project.