Are you renovating? We're happy to help you plan it

Are you thinking of renovating your home? It’s always a good idea. You can enjoy extra comfort while also reducing your energy bill. Not sure where to start with your renovation? Or how to finance and insure it? We're here to help you think it through. A Home Expert is available to work with you to draw up a free renovation report. This will give you a clear action plan, an estimate of the costs and an indication of the potential impact on your EPC rating. Be sure to watch the videos and explore all the information to guide you through every step of your renovation journey.

  • Renovation loan (instalment loan)

    • Do you want to renovate your home to your specifications, perhaps by upgrading your kitchen or bathroom? A Renovation Loan could make it possible.
    • You can finance your project at an attractive rate up to three months after the invoice date.
    • Depending on your needs, you can also borrow up to 120% of the cost of the work.
    • You can borrow up to €50,000 entirely online, easily and securely, from simulation and application to signing (once approved).

    View this loan

  • Energy loan (instalment loan)

    • Do you need a new boiler, heat pump or solar panels? With the Energy Loan, you can renovate your home at an even lower interest rate, provided that at least 75% of the work is focused on energy savings.
    • Depending on your requirements, you can borrow up to 120% of the project's value.
    • You can borrow up to €50,000 online, easily and securely, from simulation and application to signing (once approved).

    View this loan

  • Reborrowing from your mortgage loan

    • Do you already have a mortgage loan? You may be able to reborrow the capital you’ve already repaid, starting from €7,500, depending on certain conditions.
    • Depending on your needs, you can borrow up to 120% of the original loan amount.
    • There is no need to take out a new mortgage loan, so you can avoid notary and mortgage fees.
    • You will also benefit from favourable interest rates and the advantages of long-term borrowing.

    Découvrir ce prêt

Looking for personalised advice?

Are you waiting for a quote, or unsure which type of credit is best suited to your project? Would you like advice or support with your application? An expert advisor is available to guide you through your renovation project. You will receive a tailored renovation report including a step-by-step plan, an estimate of the cost of the works and any premiums or subsidies, as well as an indication of the expected impact of the works on your EPC rating.

Call us on +32 2 433 41 36 or make an appointment at your branch.

Make an appointment

SoSimply: certifications for your home

Are you renting, selling, or renovating your home and looking for someone to contact for a PEB, asbestos, electricity or gas certificate? With SoSimply, easily and quickly find approved experts. Request a free quote.
This service is currently only available for homes in Flanders.

Discover SoSimply

Also discover AG insurance

Looking for tailored protection for your home and contents? This is possible with an insurance policy from AG. If ever you make a claim, your home will always be rebuilt in line with the latest rules and legislation. Discover all home insurance solutions below, and, until 30 June 2026, benefit from a range of attractive discounts on AG's Top Home fire insurance policy (subject to conditions).

  • Top Home fire insurance from AG

    A fire, natural disaster, vandalism, water damage, etc? This fire insurance covers your home and its contents. This also includes your solar panels, charging station and garden shed. Covered damage to your home or apartment is quickly compensated and you benefit from 24/7 assistance.

    Find out more

  • Get help with defending your interests in the event of problems related to your home with legal expenses cover, an optional add-on to the Top Habitation fire insurance policy.

    Discover this cover

  • Secure your home with Homiris

    Thanks to the powerful Homiris alarm system, you can protect your home and your loved ones against burglary and fire, with 24/7 remote monitoring. Everything is included in the subscription: delivery, installation and maintenance.

    Find out more

The 11-step plan and videos for your Housing project

Using a timeline, you will discover how to bring your housing project to life in 11 steps. Throughout the series of engaging videos, our experts demonstrate how to proceed in practice, from making an offer and submitting a credit application to energy-efficient renovation and protecting yourself and your housing project with insurance solutions that match your situation best.

View the 11-step plan and the videos

Ready for your home of tomorrow?

Need advice on which steps to take first in your renovation project? Wondering what it will cost? And how it will affect  your EPC rating? Do you want to know more about energy-efficient living, financing and insurance? We are here to help and guide you through the whole renovation process!

Make an appointment with an advisor and tell us about your home project:

Discuss your project with one of our experts.

Legal information

Form of credit: mortgage loan for (im)mobile purposes. The provisions relating to mortgage loans in Chapter 2 of Title 4 of Book VII of the Economic Law Code apply. Subject to acceptance of your application by BNP Paribas Fortis SA, lender, Montagne du Parc 3, 1000 Brussels - RPM Brussels - VAT BE 0403.199.702.

Energy Loan - Form of credit: instalment loan. The provisions relating to consumer credit in Chapter 1 of Title 4 of Book VII of the Economic Law Code apply. Covers all measures to save energy in the home, including the purchase and/or installation of frames and double glazing, heating and boilers, insulation materials, solar panels, energy audit and all other materials and work intended to achieve energy savings in the home. Subject to acceptance of your application by AlphaCredit SA, lender, Montagne du Parc 8 box 3, 1000 Brussels, RPM Brussels, VAT BE0445.781.316. Tied agent: BNP Paribas Fortis SA, Montagne du Parc 3, 1000 Brussels – RPM Brussels – VAT BE 0403.199.702.

Renovation Loan - Form of credit: instalment loan. The provisions relating to consumer credit in Chapter 1 of Title 4 of Book VII of the Economic Law Code apply. Subject to acceptance of your application by AlphaCredit SA, lender, Montagne du Parc 8 box 3, 1000 Brussels – RPM Brussels – VAT BE 0445.781.316. Tied agent: BNP Paribas Fortis SA, Montagne du Parc 3, 1000 Brussels – RPM Brussels – VAT BE 0403.199.702.

SoSimply by AG is a trading name of Homeras SA, Cantersteen 47, 1000 Brussels – RPM Brussels – VAT BE 0640.711.130.

AG Insurance (abbreviated as AG) SA – Bd É. Jacqmain 53, 1000 Brussels - www.aginsurance.be - info@aginsurance.be - RPM Brussels – VAT BE 0404.494.849 - Insurance company approved under code number 0079, under the supervision of the National Bank of Belgium, Bd de Berlaimont 14, 1000 Brussels.

Intermediary: BNP Paribas Fortis SA – Montagne du Parc 3, B-1000 Brussels – RPM Brussels – VAT BE 0403.199.702, is registered under this number with the FSMA, rue du Congrès 12-14, 1000 Brussels, and acts as a tied insurance agent, remunerated by commissions, for AG Insurance SA. BNP Paribas Fortis SA holds a stake of more than 10% in AG Insurance SA.

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