Mortgage loan

  • Check your home loan eligibility without obligation
  • Get the same low rate as you would at our branches
  • Review your application with an expert before you decide


Planning on renovating? You can complete your application on your own without us needing to contact you.

Did you know that...

You can also borrow interest free for your purchase and renovation project? See how to claim back your interest on a Flemish renovation loan here.

Why go for a mortgage loan from KBC?

Our expert advice will help you make the right decision. It only takes a few minutes to use our calculator to get answers to questions like: How much can I borrow? How long should I borrow for? Should I opt for a fixed or a variable interest rate? What is the total cost? What are the tax implications?

Find out more about the mortgage loan

What is a mortgage loan?

Got plans to build or want to buy or build a house or apartment? With a mortgage loan for immovable property, you can borrow a share of the money you’ll need. This loan is mostly covered by a mortgage and/or a power of attorney to create a mortgage.

You can apply to KBC for a mortgage loan only if you live in Belgium and receive your principal income in euros.

How much can you borrow?

The amount you can borrow depends on three factors

  1. How much you can pay back
    A good rule of thumb: the total of your monthly credit obligations may not be higher than 40% of the monthly net household income.
  2. The cost of your home and the amount that you’ve already saved
    You can never borrow more than the total cost of your home. KBC also expects you to finance part of the project with your own funds.
  3. The guarantees that you can give the bank
    KBC requests collateral to cover themselves against the risk that you no longer repay your loan. A mortgage is usually established on the property, giving the bank the right to sell it if you can no longer meet your credit obligations.

See how much you can borrow

Which term should you choose?

There is no ideal term. For a mortgage loan, the average term is between 10 and 25 years. But how do you go about choosing the most convenient term for you? We recommend deciding the term based on a number of criteria.

  1. Your age
    The most suitable term depends on your age. For instance, you might choose a term of 15 years because your children will be moving into student digs by the time the loan is paid off and you want to be free of repayments at that stage.
  2. Your income
    Aim to keep the total of your monthly repayments below 40% of your monthly net household income.
  3. Your repayment method
    Each repayment is comprised of principal and interest. The proportion of each depends on the selected method of repayment. The most popular repayment method involves equal monthly repayments.
  4. Your interest rate
    The term of the loan also depends on whether you choose a fixed or a variable interest rate.

Fixed or variable interest rate?

When you take out a mortgage loan, you can choose between two different credit options: a fixed or a variable interest rate. Which interest rate is more attractive for your situation?

Use our loan calculator to work out the interest rate of your loan

Convenience Rate

If you take out both home insurance and mortgage protection cover with us and have your salary paid into a KBC current account, you also get our special KBC Convenience Rate. And the more of a down payment you can make, the better the rate we can give you.

Got a question about your KBC home loan?

You can now get answers to your questions without leaving the comfort of your home using one of our convenient online options. Find out how.

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It took less than five minutes to find out we could buy our dream home! All we needed to do was answer a few questions in KBC Mobile and a list of available options popped up. As we still had a few questions, we turned to the KBC Live experts, who were more than happy to help.

Evi and Gert-Jan from Halle

Good to know

Lender: KBC Bank NV, with registered office at Havenlaan 2, 1080 Brussels, Belgium. VAT BE 0462.920.226, RLP Brussels, FSMA 026 256 A. Subject to your loan application being approved by KBC Bank NV.
KBC Bank NV does not offer loan agreements in foreign currencies. By law, these sorts of loan agreements are defined as loan agreements under which the credit:
- is expressed in another currency than that in which the consumer receives the income or holds the assets out of which the loan is to be repaid;
or
- is expressed in another currency than that of the member state where the consumer resides.

KBC Bank therefore concentrates exclusively on individuals who live in Belgium and whose main income is in euros.

Work out and see your loan eligibility fast online