Your questions about property financing

Find the answers to the main questions about mortgages, financing, rates, purchase costs and the role of the broker.

Can a property be financed at 100%?

Some banks may consider 100% financing depending on your situation and your property project.

When should a financing assessment be started?

We recommend carrying out a financing assessment before starting your property search, so that you know your budget precisely.

How do you calculate your borrowing capacity?

Calculating your borrowing capacity depends mainly on your income, outgoings, personal deposit and the type of property project.

Is a loan simulation a bank offer?

No, a mortgage simulation is indicative only and does not constitute a financing offer.

What is the difference between a fixed and a variable rate?

A fixed rate keeps your monthly repayments stable, whereas a variable rate changes with market conditions.

What is a reviewable fixed rate?

A reviewable fixed rate combines a fixed period with a possible review at the end of that period, under the conditions set out in the contract.

Can a mortgage be renegotiated?

A loan renegotiation may be worth considering depending on market conditions and your situation.

Do banks apply early repayment charges?

Some banks may apply charges, under the conditions set out in the loan agreement.

What is the Bëllegen Akt?

The Bellegen Akt is a tax credit that reduces part of the costs of acquiring a main residence, subject to certain conditions.

What costs are involved in buying a property?

Additional costs vary according to your situation, the type of property and the financing terms offered.

Why go through a broker?

A broker supports you in analysing your property project and finding the financing solutions suited to your situation.

Is there a charge for using a broker?

Pret Immo supports borrowers in their search for property financing with no brokerage fee for the borrower.

Book an appointment with a Pret Immo adviser to obtain a personalised financing assessment and move forward with confidence in your property project.