Looking to finance a property purchase? Work out what you can afford to repay and calculate your mortgage with our simulator.
The term of a mortgage loan is typically between 10 and 25 years. So it is best to choose a loan that evolves along with your financial and family situation.
Discover the benefits of the Mortgage Loan
From a guaranteed mortgage rate to a green mortgage label, here are all the benefits of our mortgage loan.
4 months of guaranteed mortgage rate
When you apply for a mortgage loan, you have 1 month to accept our offer. You then have 3 more months to have the deed of sale drawn up and signed by the notary. During this entire period, we guarantee your interest rate.
Lower your interest rate yourself? Yes, you can!
The principle is simple: you can reduce the rate on your new loan by meeting five conditions. For example, the energy performance (EPC) of your property must be equal to or less than 150 kWh/m²/year. Each condition met results in a rate reduction.*
Pay less during the first 3 years
You can choose to reduce your initial monthly repayments by paying interest only. Capital repayments will then begin no later than 36 months after the start of the loan. This can be useful if you are also paying rent or childcare at the same time.
EEM label, for mortgage loans aimed at energy-efficient and energy-saving purposes
We are the first bank in Belgium to apply the European Energy Efficient Mortgage label (EEM label). This guarantees that loans bearing this label are used for measures that reduce CO₂ emissions, making them eligible for even more attractive rates. The EEM label may apply to loans for new-builds, purchases of A-rated homes, and renovations that improve energy efficiency by at least 30%. So, when you opt for an energy-efficient or energy-saving project, you benefit from extra favourable rates and discounts!
No reservation fee
When you take out a mortgage loan, the bank ‘reserves’ the full amount of your loan. You then pay a reservation fee on the part of the loan not yet released. BNP Paribas Fortis, however, does not charge this fee for the first year.
Are you building and will your home’s energy performance remain under a certain threshold? Or are you buying a property that includes at least one energy-saving investment? In either case, no reservation fee applies.*
*Home Loan rates
Do you already have a tailored mortgage loan and now want to renovate your home? You can reborrow the capital already repaid (subject to the bank’s approval). Under certain conditions and according to your needs, you can even borrow up to 120% of the original capital. There’s no need to take out a new loan, meaning no new notary or registration fees either.
| Your situation | |
| Your mortgage loan | 100,000 EUR |
| Already repaid | 20,000 EUR |
| Planned renovation | 40,000 EUR |
| What can you reborrow? | |
| Already repaid | 20,000 EUR |
| +20% of your original loan | 20,000 EUR |
| Total available to reborrow | 40,000 EUR |
Still waiting for an offer, need more time, or unsure which loan is best for your project? Or do you need help with your application? An expert advisor is here to support you.
Call us on 02 433 41 36 or make an appointment at your branch.
Want to transform your home according to your desires? With us, you finance your work at an attractive interest rate, up to 3 months after the invoice date. You can also borrow – according to your needs – up to 130% of the value of your project. Simulate and apply for your loan online!
Insulation, solar panels, green roof, water-saving system… Want to reduce your home's energy consumption and improve your quality of life? Finance your projects at an attractive interest rate. Make a simulation and apply online.
AG's Top Home Insurance offers you peace of mind. It covers your home and its contents, but also, without additional premium, solar panels, garage, garden shed… It allows you to rebuild according to environmental standards in case of damage. And it includes 24/7 assistance.
Need a new EPC certificate, asbestos certificate, or inspection certificate for electricity or gas? Contact the experts at SoSimply and request a free quote.
You can read more in the documents below. Or you can schedule a video call with one of our advisors in branch or via the Easy Banking Centre, available until 8pm on weekdays.
Making an appointment online is quick and easy.
Type of loan: mortgage loan for (im)movable property. The provisions on mortgage loans in Chapter 2 of Title 4 of Book VII of the Code of Economic Law apply. Subject to acceptance of your application by BNP Paribas Fortis SA, lender, Montagne du Parc 3, 1000 Brussels – RPR Brussels – VAT BE 0403.199.702.
Energy loan – Type of loan: Instalment loan. The provisions on consumer credit in Chapter 1 of Title 4 of Book VII of the Code of Economic Law apply. Covers all energy-efficient works in the home, including the purchase and installation of frames and double glazing, heating systems and boilers, insulation materials, solar panels, energy audits, and all other materials and works aimed at energy savings in the home. Subject to acceptance of your application by AlphaCredit SA, lender, Montagne du Parc 8 box 3, B-1000 Brussels – RPR Brussels – VAT BE 0445.781.316. Tied agent: BNP Paribas Fortis SA, Montagne du Parc 3, B-1000 Brussels – RPR Brussels – VAT BE 0403.199.702.
Renovation loan – Type of loan: Instalment loan. The provisions on consumer credit in Chapter 1 of Title 4 of Book VII of the Code of Economic Law apply. Subject to acceptance of your application by AlphaCredit SA, lender, Montagne du Parc 8 box 3, B-1000 Brussels – RPR Brussels – VAT BE 0445.781.316. Tied agent: BNP Paribas Fortis SA, Montagne du Parc 3, B-1000 Brussels – RPR Brussels – VAT BE 0403.199.702.
The Top Habitation home and fire insurance is a building and contents insurance under Belgian law offered by AG, and distributed by BNP Paribas Fortis. For exact coverage details, please refer to the product’s general terms and conditions, available at bnpparibasfortis.be and in all our branches. You can also obtain them by calling the Easy Banking Centre on 02 762 90 00.
AG Insurance (abbreviated AG) SA – Boulevard Emile Jacqmain 53, B-1000 Brussels – www.aginsurance.be – info@aginsurance.be – RPR Brussels – VAT BE 0404.494.849 – Belgian insurance company authorised under code 0079, supervised by the National Bank of Belgium, Boulevard de Berlaimont 14, 1000 Brussels.
Intermediary: BNP Paribas Fortis SA – Montagne du Parc 3, B-1000 Brussels – RPR Brussels – VAT BE 0403.199.702, registered under this number with the FSMA, Rue du Congrès 12–14, 1000 Brussels, and acting as a tied insurance agent, remunerated by commission, for AG Insurance SA. BNP Paribas Fortis SA holds more than 10% of AG Insurance SA.
