Got home-related queries?

Frequently asked questions

Got home-related queries?

Frequently asked questions

Work out and apply for a mortgage loan

Where can I calculate the cost of a mortgage loan?

Already have definite plans? Open KBC Mobile and go to ‘More > Home > Security deposit, loan or insurance > Borrow to buy or build your new home’.

No specific plans at the moment? Quickly see the options open to you at www.kbc.be/home.

For what purposes can I work out and apply for a mortgage loan?

You can calculate a mortgage loan to:

  • Buy a home
  • Renovate your home
  • Buy land
  • Realise your building plans

You can't calculate a mortgage loan for a property to be used professionally or for one located abroad.

Which documents do I need with me when calculating and applying for a new mortgage loan?

You’ll need pay slips, plus a purchase agreement or quotes for your planned renovations to start a new application.

Who can work out and apply for a mortgage loan?

Any individual aged 18 or over who permanently resides in Belgium. Depending on your civil status, you can do this alone (whether you’re single or officially living with someone) or with your partner (whether you’re married or officially living with someone).

If you’re legally separated, you can’t apply on your own.

Who has to sign for the mortgage loan?

All borrowers specified in the application must sign the contract.

KBC Home Insurance

What is home insurance?

Home insurance protects you from the financial risks associated with damage caused to your home and its contents by fire, water, natural disasters, etc.

Home insurance isn't legally required, but it's advisable to insure your home and its contents against damage. Anyone can take out home insurance, regardless of whether you own, rent or rent out the property or whether it's your main residence or a second home.  

How do I take out home insurance using KBC Mobile?

  • Log in to KBC Mobile
  • Tap 'More > Home > Security deposit, loan or insurance > Insure your home against fire, theft or storm'

How do I file an insurance claim?

  • Log in to KBC Mobile
  • Go to 'More > Home'
  • Tap your home insurance to file a new claim

You also claim through your KBC Insurance agent. If you can't reach them or you need urgent assistance with a claim, you can call us free of charge at any time on 0800 964 64.

Mortgage protection cover

How do I work out loan balance insurance using KBC Mobile?

When you calculate a mortgage loan with us using KBC Mobile, you can also indicate that you're interested in taking out mortgage protection cover in the form of our loan balance insurance and work that out as well.

How do I take out loan balance insurance using KBC Mobile?

After taking out your mortgage loan through KBC Mobile, KBC Touch or your insurance intermediary (in certain cases), open KBC Mobile and tap ‘More > Home > Loan Balance Insurance'. Confirm your details, consent to us processing your health data (if you haven't already done so), complete our medical questionnaire and answer a few more questions. If that all goes well, you can sign for your insurance right away.

Home Assistance

What is Home Assistance?

KBC Home Assistance is insurance providing a home response service in the event of serious and unexpected problems in your home.

Just call us and we’ll arrange everything. Even at night or the weekend, when it’s even harder to find available, affordable repair services yourself. We'll send out a repairer. You don't have to find anyone yourself.

Anyone can take out this insurance, even if they don’t have home insurance with us.

It's intended for a property where you live or that you use as additional accommodation, as long as it's only for personal use. We don’t cover property owned to let.

How can I take out this insurance?

In the menu, tap 'More > Home > Security deposit, loan or insurance > Get insurance for fast repairs to your home'. Read the information, specify the home you want to insure and indicate the account to use to pay your premiums.

When can you obtain assistance under the insurance, how much does it cost and how much will be paid out?

See www.kbc.be/homeassistance for full details.

How do I file an insurance claim?

  • Log in to KBC Mobile
  • Go to 'More > Home'
  • Tap your home assistance insurance to file a new claim