Your energy-efficient home gets a discount from KBC
- Get an interest-rate discount on your mortgage loan with KBC if you have or achieve a good EPC rating
- Easily request your discount online
- Personal guidance from a KBC expert
If you think you’re entitled to an energy discount, be sure to contact your KBC branch or just ask Kate!
What is the EPC discount from KBC?
Whether you buy, build or renovate an energy-efficient home, your efforts deserve to be rewarded. If your home meets the conditions, you can get an EPC discount on the interest rate of your home loan with KBC. If you’re entitled to this discount, it will be factored into your loan proposal automatically, but you can also apply for your loan to be adjusted at a later time.
When are you eligible for an EPC discount?
You are eligible for the EPC discount if you:
- Buy a house with a good EPC rating (A, B, C or D)
- Carry out energy-saving renovations so that your home achieves an EPC rating of A, B, C or D*
- Buy a new-build property
*Your EPC discount will be automatically factored into your mortgage loan proposal if you are entitled to it. If you improve your home’s EPC rating at a later time, you can submit your new EPC and request a review of your loan’s interest rate no later than seven years after signing your loan contract.
- You cannot receive an EPC discount on bridging loans, building land or property located abroad
- You must be able to produce a valid EPC certificate when requesting an adjustment
How do you apply for the EPC discount?
- Are you planning to buy a property with a good EPC rating? Submit your EPC when applying for your mortgage loan or send it to your KBC representative. The discount will be added to your loan proposal automatically.
- Are you renovating your property? Deliver your new EPC to KBC within seven years of signing your loan contract. You can easily do this in KBC Mobile or KBC Touch. If your home has achieved an EPC rating of A, B, C or D, KBC will review your interest rate.
Request your EPC with KBC
Did you know you can easily request your EPC through KBC Mobile? Find out more about this additional service or click the button below now to request your EPC from De Immowinkel via KBC Mobile.
Frequently asked questions
You can provide KBC with an improved EPC up to seven years after the start of your home loan. We’ll then review your interest rate and apply the discount if you meet the conditions.
Have a new EPC inspection carried out by an accredited expert. Following the inspection, they will prepare a certificate for you to deliver to KBC. If you’re not sure where you can find an accredited expert, that's not a problem. KBC can help you schedule your EPC inspection in no time. Find out more about the EPC inspection.
In that case, you won’t get an EPC discount and your interest rate will remain unchanged. If you’re still deciding whether to carry out energy-efficient improvements, you can submit your improved EPC up to seven years after the start of your loan contract. Still looking for reliable contractors? KBC Mobile can help you find one. See all the ways we can we can help you with your renovations.
Check out your benefits
If you’re wondering whether you’re entitled to an energy discount or you’d like to know more about the benefits of your EPC rating, KBC is on hand to help.
Loan type: mortgage loan for immovable property. Subject to your loan application being approved by KBC Bank NV. Lender: KBC Bank NV – Havenlaan 2 – 1080 Brussels – VAT BE 0462.920.226 – RLP Brussels
