It’s well known that KBC is there to finance and insure your home, but did you know that we can also help you optimise your energy consumption and make energy-efficient renovations to your home?
KBC Mobile offers tips on how to optimise your energy consumption and choose the best energy contract. This ensures you save money and energy as well as helps you take the first steps towards making your home more energy efficient.
Tip: just tell Kate ‘I want to save energy.’ You can find your digital assistant in the top-right corner of KBC Mobile.
How does KBC help you optimise your energy consumption and find the right energy contract?
Optimising your energy consumption and choosing the right energy contract can help a great deal, but ultimately the construction of your home is what makes the difference. That means you should first take care of the essentials such as energy-efficient windows and proper insulation of your roof, walls and floor. You can use KBC Mobile to easily calculate the cost of your renovation work and apply for the right financing. In addition, you can find your dream home with the help of Immoscoop or have your current home valued for free.
How does KBC help you make energy-efficient renovations to your home?
If you’ve already taken care of your home’s essentials such as proper insulation and energy-efficient windows, then solar panels are a good idea to increase the amount of electricity you generate for yourself.
If you’ve installed solar panels and you have energy-hungry appliances such as a charging station or a heat pump, a home battery could be an effective method to optimise the way you generate and use electricity.
Want to learn more about financing and insuring your home?
Discounts for energy-efficient homes
At KBC , you can get an additional discount on the interest rate for your new mortgage loan. You can get it right away when purchasing an energy-efficient property. You can also make improvements to your home’s energy efficiency within seven years, which will net you a discount on your interest rate if your renovations improve your home's EPC rating.
Flemish renovation loan
If you use a mortgage loan to purchase and renovate a property with a poor energy performance rating and then make that home significantly more energy efficient within five years, you can claim back some or all of the interest on your renovation loan from the Flemish government.
Example 1
- You buy a property with an EPC rating E or F
- You use a home loan to purchase and renovate your home
- You immediately begin renovations to improve your EPC rating
Which discounts can you receive?
You can apply for the Flemish renovation loan and get an interest subsidy on the part of your mortgage loan used for the renovations if your EPC rating improves to at least D. You can also get a lower interest rate on your entire mortgage loan if you show KBC you’ve achieved an EPC rating of B or better following your renovation.
Example 2
- You buy a property with EPC rating B
- You take out a home loan to purchase and renovate your home
- You immediately begin renovations to improve your EPC rating
Which discounts can you receive?
You immediately receive a discount on the interest rate for your mortgage loan with KBC. You can also get an additional discount on your interest rate if your EPC rating improves to A or better.
Example 3
- You already have a home and would like to install solar panels or a heat pump
- You use an energy loan or mortgage loan starting from 12 500 euros
- You improve your EPC rating and can provide a certificate as proof
Which discounts can you receive?
You receive a top-value rate on your energy loan, and if you’re financing your renovations with a new mortgage loan, you can also get a discount on your mortgage loan’s interest rate if your EPC rating improves to at least a B. You aren’t eligible for the Flemish renovation loan, however, because it only applies to the purchase of a new home.
