Porting Your Mortgage to a New Home in Belgium 2026

The Short Answer

PORTING YOUR MORTGAGE = SAME AMOUNT, DIFFERENT HOME!

Aspect	Details	2026 Info
What	Transfer Existing Mortgage to New Property	Standard Procedure
Benefit	No New Application, Faster	2-3 Weeks Faster!
Benefit	Same Interest Rate (FAVOURABLE!)	3.2-3.5% Retained!
Benefit	Lower Costs	€500-€1,000 Notary Only
Benefit	Less Red Tape	No Mortgage Application Needed!

1. HOW DOES MORTGAGE PORTING WORK?

STEP 1: Notary Registers the Mortgage on the NEW Property

You Sell the Old Property
At the Same Time: the Mortgage Moves from Old → New
SECURITY: The Bank Gets the New Property as Collateral!

STEP 2: The Old Mortgage is REPAID

The Old Property is Sold
Sale Proceeds Go Towards Repaying the Mortgage
The Old Mortgage Disappears!

STEP 3: The New Mortgage is Registered on the New Property

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The New Property Receives the Mortgage Registration
EXACTLY the Same Amount & Interest Rate!
You Pay the Same Monthly Amount!

BENEFIT: Security for the Bank! (Old Property Replaced by New!)

2. BENEFITS OF PORTING YOUR MORTGAGE

✅ Same Rate (NO INCREASE!) – In 2026: 3.2-3.5% Retained!
✅ Faster (No New Credit Assessment) – The Bank Sees: “Trusted Client!”
✅ Lower Notary Fees – Only €500-€1,000 (MUCH CHEAPER!)
✅ Less Legal Complexity – No Mortgage Application!
✅ Stress-Free – The Bank Says YES Quickly!

3. BANK REQUIREMENTS 2026

THE BANK REQUIRES:

☐ New Property Must Be Worth ≥ the Mortgage Amount (At Least Equal!)
☐ Your Income Must Still Cover the Repayments (Affordability Maintained!)
☐ NO Payment Arrears Allowed (Pay on Time!)
☐ An Increase in Property Value Is Welcome (Ideal!)

EXAMPLE:

Old Property Value: €300,000
Mortgage: €200,000
New Property: MINIMUM €200,000 (OR MORE!)
BANK: “Agreed! Mortgage Porting Approved!”

4. PORTING PROCEDURE

TIMELINE:

Buyer Found for Old Property!
Call the Notary! (Mortgage Transfer Preparation!)
Notary Contacts the Bank! (Obtaining Approval!)
New Property Purchased! (Here We Go!)
Mortgage Transferred! (Done!)

TOTAL TIMELINE: 3-4 Weeks (FAST!)

5. PORTING COSTS

Cost Item	Amount
Notary (Transfer)	€500-€800
Bank Administration	€0-€300
Mortgage Register Entry	€100-€200
TOTAL	€600-€1,300

VERSUS a New Mortgage:

New Application: €2,500-€4,000! (MUCH MORE EXPENSIVE!)

SAVING: €1,200-€3,400! 🎉

6. CHECKLIST

☐ Ask the BANK in Advance (Agreement to Port?)
☐ Get the New Property VALUED (Check the Value!)
☐ Contact the Notary (Preparation!)
☐ PREPARE the Transfer (Timing!)
☐ Final Step! (Mortgage Registered on New Property!)

THE GOLDEN RULE

PORTING YOUR MORTGAGE = ADVANTAGEOUS & FAST!
ALWAYS CONSULT YOUR NOTARY!
2026 BENEFIT: Keep the Same Low Rate! (3.2-3.5%)

Frequently asked questions

What does it cost to port a mortgage in Belgium?

The total cost of porting a mortgage is between €600 and €1,300, covering notary fees, bank administration, and the mortgage register entry. This is significantly cheaper than taking out a new mortgage, which typically costs €2,500 to €4,000.

How long does the mortgage porting process take?

The full procedure takes around 3 to 4 weeks from finding a buyer for your old property to having the mortgage registered on the new one.

What does the bank require before approving a mortgage port?

The new property must be worth at least as much as the outstanding mortgage amount, your income must still cover the repayments, and you must have no payment arrears on your current mortgage.

Do I need to go through a new credit assessment when porting my mortgage?

No, porting your mortgage skips the new credit assessment process. The bank treats you as a trusted existing client, which also means faster approval.

What interest rate do I keep when porting my mortgage in 2026?

When you port your mortgage, you retain your existing interest rate, which in 2026 is between 3.2% and 3.5%, rather than having to accept a new and potentially higher rate.