Illustration generated for this guide. It does not represent a property for sale.
Put the offers on the same footing
Compare the same amount, term and financing needs. Otherwise, you may attribute a difference to the rate when it simply results from a longer repayment period. Ask each lender for a clear table and keep a record of the conditions needed to obtain the offer presented.
Ask about the complete cost
Ask which fees, insurance policies or services are linked to the offer and which are optional. Have any conditions that might change explained, along with the consequences of early repayment or changes to your plans. If a line is unclear, request a written explanation before comparing totals.
Prepare your next step: Buying your first home in Belgium: prepare your budget before viewing
Test your room for manoeuvre
Rework your budget using the proposed repayment, housing expenses and a reserve. Consider a change in income or work taking longer than planned. Suitable financing is financing whose conditions you understand and whose repayments you can afford. A simulation is preparation, not final loan approval.
Request proposals based on the same assumptions
A comparison is meaningful only if the borrowed amount, term, rate type and project presented are comparable. Have the assumptions specified in each proposal and retain dated documents. Request the personalised information sheet to understand the loan’s features. If a lender proposes a different arrangement, examine it separately before placing it in the same table. A lower monthly payment may reflect a longer term or another repayment structure. It does not establish that an offer is cheaper.
Read the APR and associated conditions
The annual percentage rate helps compare borrowing costs by including several charges, but it does not represent the entire purchase budget. Also examine insurance and services linked to the offered terms, and ask what happens if you do not retain them. Clarify which costs fall outside the indicator. The aim is to identify the cost and obligations of each option rather than comparing only the rate highlighted in the sales discussion. Keep written answers with the proposals.
Ask questions about your future
Explain any plans for work, a career change or a sale in the medium term. Ask how early repayments work and which conditions apply to your contract. If the rate can vary, have the mechanism and variation limits explained. Do not choose a payment that is comfortable only under the most favourable assumption. Finally, prepare a table of confirmed information and open questions. Your choice should fit your circumstances and your understanding of the commitments involved.
Sources and references
ComparImmo editorial team. Sources checked on 27 September 2026. Check the rules for the region and your circumstances before making a commitment.