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I’m Renovating My Home: Transform Your Living Space!
Your home has incredible potential. Whether you’re dreaming of more space, comfort, a modern kitchen, or energy savings, we help you bring your renovation project to life. Discover how to transform your home in Belgium and Luxembourg with suitable financing.
Finance your renovation projectLegal 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.
Renovating Your Home: A Life Project with Multiple Benefits
Renovating your home is much more than just a matter of works. It’s an investment in your quality of life, your daily comfort, and the value of your property. It’s an opportunity to create an interior that reflects you and perfectly meets your current and future needs.
The main goals of a successful renovation:
- Improve comfort and functionality: Optimize space, modernize a kitchen or bathroom, create a master suite.
- Increase the value of your property: A well-thought-out renovation is an investment that increases your home’s value on the real estate market.
- Achieve energy savings: Insulate, replace window frames, or install an efficient heating system to reduce your bills.
- Adapt your home: Create an extra bedroom for a new child, set up a home office for remote work, or adapt the house for the future.
- Modernize and beautify: Update your decor, renovate floors and walls for a fresh and welcoming interior.
Whatever your motivation, a suitable financing plan is the key to starting your project without delay. Our online simulator allows you to quickly estimate your budget:
- The budget you can allocate to your project.
- The monthly payment that fits into your finances.
- The ideal repayment term for your renovation loan.
Free • No obligation • Quick in-principle decision
From Idea to Reality: The Key Steps of Your Renovation
A well-structured renovation project is the guarantee of a result that meets your expectations. Here are the main steps to successfully carry out your transformation:
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1. Define your project and priorities: Make a precise list of the work to be done. Look for inspiration, and define the desired style and materials.
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2. Establish a realistic budget: Request several detailed quotes from qualified craftsmen. Always plan for a 10-15% margin for unforeseen expenses.
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3. Secure the financing: This is where the Renovation Loan comes in. It allows you to finance your entire project, from materials to labor, based on the quotes you’ve obtained.
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4. Choose the right professionals: Select contractors you trust, and check their references and insurance.
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5. Plan and monitor the worksite: Establish a work schedule and regularly follow up on progress with the craftsmen to ensure everything is proceeding as planned.
How to Easily Finance Your Renovation Project?
We have simplified the process so you can focus on what’s essential: your project.
1. Imagine & Budget
Refine your renovation project and get detailed quotes. This is the basis for your financing request.
2. Simulate Your Financing
Use our online simulator to find the monthly payment and term that match your budget and the cost of your works.
3. Submit Your Application
Fill out your online application, attaching your signed quotes and supporting documents. It’s simple and fast.
4. Receive Our Approval
Our experts analyze your project and give you a quick in-principle decision so you can move forward.
5. Start the Work!
After the contract is signed, the funds are released. You can pay your contractors and watch your project come to life.
Flexible Financing, Tailored to the Scale of Your Project
Every renovation project is unique. That’s why our financing solution is designed to adapt to your specific needs:
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A controlled budget: Thanks to a fixed rate, your monthly payments remain the same throughout the loan term. No nasty surprises, you can plan your budget with complete peace of mind.
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For small and large projects: Whether you’re redoing a bathroom or starting a full renovation, the repayment term is adjusted to the amount borrowed, thus preserving your financial balance.
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A boost for the planet: Energy renovation projects (insulation, solar panels, etc.) often benefit from even more advantageous conditions (“Green Loan”). It’s good for your wallet and for the environment!
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A well-managed project: The financing is granted based on quotes, which ensures the funds are used for your renovation project, giving you extra peace of mind.
Our Expert Tips for a Successful Renovation Project
Good preparation is the key to success. Here are a few tips to approach your renovation with confidence.
Don’t Underestimate the Budget
The golden rule: always add a margin of 10 to 15% to your total budget to cope with unforeseen events. A worksite often reveals little surprises!
Choose the Right Professionals
Compare several quotes, but don’t just base your decision on price. Check references, insurance, and the rapport with the contractor. Trust is essential.
Consider Grants and Subsidies
In Belgium and Luxembourg, many regional grants exist for renovations, especially for energy efficiency. Find out more, as this can significantly lighten your budget.
Inspiration: They Transformed Their Home with Suitable Financing
“With the arrival of our second child, we needed an extra bedroom. We were able to finance the conversion of our attic. The process was clear and fast, and today, we fully enjoy our new space. It was the project of a lifetime!”
“Our 1970s house needed a real facelift and, most importantly, better insulation. The renovation loan allowed us to do everything at once: new window frames, exterior insulation, and a new kitchen. The house is unrecognizable, and our energy bills have plummeted.”
Like them, bring your projects to life and make your house a place that truly reflects you, by combining comfort, aesthetics, and performance.
FAQ: I’m Renovating My Home
Do you have a renovation project? Find the answers to your questions here to get your project in Belgium or Luxembourg off to a good start.
The first step is to define your project. Clearly list your needs and wants: which rooms to renovate? For what purpose (more space, more light, energy savings)? Then, start looking for inspiration (magazines, websites) and requesting quotes from several craftsmen. This will give you a clear idea of the work to be done and an initial budget estimate, which is essential for the next steps.
The most reliable estimate comes from detailed quotes from professionals. For a preliminary idea, there are price ranges per m² depending on the type of renovation:
- Light refresh (painting, flooring): €250 – €500 / m²
- Full renovation (kitchen, bathroom, electrics): €800 – €1500 / m²
- Major renovation (structure, insulation, extension): €1500 – €2500+ / m²
These prices are indicative. The best approach is still to compare at least 3 quotes for the same project. Remember to use our loan simulator to see how this budget translates into monthly payments.
The Renovation Loan (or Works Loan) is a “purpose-specific” loan, meaning it is tied to property works based on quotes. It generally covers everything that is “attached” to the house: fitted kitchen, bathroom, floor coverings, paint, etc.
For “movable” furniture (sofa, table, chairs) and pure decoration, a personal loan is often more suitable. However, if the purchase of certain items (for example, a custom-built wardrobe) is included in the contractor’s overall quote, it can sometimes be integrated into the financing. Talk to your advisor to find the best combined solution.
Yes, many grants exist to encourage renovation, especially for energy efficiency. The schemes vary by region:
- In Wallonia: The “Primes Habitation” cover a wide range of works (roofing, walls, window frames, heating, etc.).
- In Brussels: The “RENOLUTION” grants are very comprehensive and categorized by type of work.
- In Flanders: “Mijn VerbouwPremie” centralizes most renovation grants.
- In Luxembourg: The “Klimabonus” program offers significant subsidies for sustainable energy renovation.
A renovation loan is an excellent way to finance the portion of the work not covered by these grants. We advise you to check the official portals of your region for information.
It depends on the nature of the work:
- No permit needed: For interior renovation work that does not alter the building’s load-bearing structure or its external appearance (e.g., redoing a kitchen or bathroom, painting, changing floors).
- Permit needed: For work that alters the external appearance of the facade (e.g., changing the color, creating a new window), affects the load-bearing structures (e.g., knocking down a supporting wall), or creates new volume (e.g., building a conservatory, an extension, or adding a story).
If in doubt, it is imperative to consult your municipality’s planning department before starting work or signing quotes.