Calculate your mortgage & compare all banks
Discover your monthly payment, total costs, and borrowing capacity. Then receive free quotes from certified mortgage advisors who compare the entire market.
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Why this calculation is important
Buying a home is the biggest financial decision of your life. Our simulator gives you the necessary data to approach your bank or an advisor well-prepared. We don't just compare the interest rate, but also look at the total costs over the entire term.
The average interest rate for a 20-year loan is currently around 3.2%.
Frequently asked questions
The smartest way to sell your home in Belgium. We match you with the best certified agents in your neighborhood.
In Belgium, banks apply the 40% rule: a maximum of 40% of your net monthly income can go to housing costs. With a net income of €3,000 per month, you can therefore pay a maximum of €1,200 per month for a mortgage.
In addition to the purchase price, you pay registration duties (3-12.5% depending on the region), notary fees (2-3%), bank fees (€500-€1000) and mortgage rights.
With a fixed rate, your interest rate remains the same throughout the term. With a variable rate, the rate can change according to the market.
Banks usually finance a maximum of 90-100% of the purchase price. You therefore need at least the buyer's costs as a down payment, plus ideally 10% of the purchase price.
Most mortgages in Belgium have a term of 20 or 25 years. A shorter term means higher monthly payments but less total interest.
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