Mortgage rates

OUR BEST MORTGAGE RATES

Mortgage loans with fixed monthly repayments
Monthly cost of loan for every € 10,000.00
Please check conditions at the bottom of the page

Table summarising our best net mortgage rates as at 11/09/2019

Type of rate Maximum variation cap + and -% Loan-to-value Conditions for obtaining the lowest rate Monthly interest rate % Annual interest rate % Number of years for loan / monthly repayments in €
10 15 20 25 30
Variable Plans
1/1/1 (conditions) +1,26/-1,26 < 90 % A.B.C.E. 0,1040 1,2688,6860,9547,1038,82 
1/1/1 (conditions) +1,76 /-1,76 < 100 % A.B.C.E. 0,1450 1,7590,8563,1649,3741,13 
3/3/3 (conditions) +1,18/-1,18 < 75 % A.B.C.E. 0,0980 1,18 60,63   
5/5/5 (conditions) +1,09/-1.09 < 90 % A.B.C.E. 0,0900 1,0987,95    
5/5/5 (conditions) +1,56/-1,56 < 100 % A.B.C.E. 0,1290 1,5690,00    
Half-Fixed Plans
10/5/5 (conditions) +1,40/-1,40 < 80 % A.B.C.E. 0,1160 1,40 61,5947,7639,49 
10/5/5(conditions) +1,80/-1,80 < 100 % A.B.C.E. 0,1490 1,80 63,3849,5941,36 
15/5/5 (conditions) +1,40/-1,40 < 80 % A.B.C.E. 0,1160 1,40  47,76  
15/5/5 (conditions) +1,80/-1,80 < 100 % A.B.C.E. 0,1490 1,80  49,59  
15/5/5 (conditions) +1,45/-1,45 < 80 % A.B.C.E. 0,1200 1,45   39,71 
15/5/5 (conditions) +1,85/-1,85 < 100 % A.B.C.E. 0,1530 1,85   41,59 
20/5/5 (conditions) +1,88/-1,88 < 90 % A.B.C.E. 0,1550 1,88   41,71 
20/5/5 (conditions) +2,72/-2,72 < 100 % A.B.C.E. 0,2240 2,72   45,81 
Fixed Plans
Fixed 10 years (conditions) < 80 % A.B.C.E. 0,0880 1,0687,85    
Fixed 10 years (conditions) < 75 % A.B.C.E. 0,0900 1,0987,95    
Fixed 10 years (conditions) < 90 % A.B.C.E. 0,0970 1,1788,32    
Fixed 10 years (conditions) < 100 % A.B.C.E. 0,1210 1,4689,58    
Fixed 10 years (conditions) < 100 % A.B.C.E. 0,1230 1,4989,69    
Fixed 13 years (conditions) < 80 % A.B.C.E. 0,0990 1,19     
Fixed 13 years (conditions) < 90 % A.B.C.E. 0,1170 1,41     
Fixed 13 years (conditions) < 100 % A.B.C.E. 0,1320 1,60     
Fixed 13 years (conditions) < 100 % A.B.C.E. 0,1860 2,25     
Fixed monthly 1/1/1 15-18 (conditions) < 80 % A.B.C.E. 0,1020 1,23 60,84   
Fixed monthly 1/1/1 15-18 (conditions) < 100 % A.B.C.E. 0,1350 1,63 62,62   
Fixed 15 years (conditions) < 80 % A.B.C.E. 0,1070 1,29 61,11   
Fixed 15 years (conditions) < 75 % A.B.C.E. 0,1120 1,35 61,37   
Fixed 15 years (conditions) < 90 % A.B.C.E. 0,1230 1,49 61,97   
Fixed 15 years (conditions) < 100 % A.B.C.E. 0,1400 1,69 62,89   
Fixed 15 years (conditions) < 100 % A.B.C.E. 0,1450 1,75 63,16   
Fixed 15 years (conditions) < 95 % A.B.C.E. 0,1680 2,03 64,42   
Fixed 17 years (conditions) < 90 % A.B.C.E. 0,1150 1,39     
Fixed 17 years (conditions) < 100 % A.B.C.E. 0,1480 1,79     
Fixed 18 years (conditions) < 80 % A.B.C.E. 0,1140 1,38     
Fixed 18 years (conditions) < 90 % A.B.C.E. 0,1290 1,56     
Fixed 18 ans (conditions) < 100 % A.B.C.E. 0,1470 1,78     
Fixed monthly 1/1/1 20-25 (conditions) < 80 % A.B.C.E. 0,1090 1,32  47,38  
Fixed monthly 1/1/1 20-25 (conditions) < 100 % A.B.C.E. 0,1420 1,72  49,20  
Fixed 20 years (conditions) < 80 % A.B.C.E. 0,1180 1,43  47,87  
Fixed 20 years (conditions) < 75 % A.B.C.E. 0,1240 1,50  48,20  
Fixed 20 years (conditions) < 90 % A.B.C.E. 0,1320 1,60  48,64  
Fixed 20 years (conditions) < 100 % A.B.C.E. 0,1510 1,83  49,70  
Fixed 20 years (conditions) < 100 % A.B.C.E. 0,1570 1,90  50,04  
Fixed 20 years (conditions) < 95 % A.B.C.E. 0,1850 2,24  51,64  
Fixed 22 years (conditions) < 75 A.B.C.E. 0,1250 1,51     
Fixed 22 years (conditions) < 100 % A.B.C.E. 0,1580 1,91     
Fixed monthly 1/1/1 25-30 (conditions) < 80 % A.B.C.E. 0,1160 1,40   39,49 
Fixed monthly 1/1/1 25-30 (conditions) < 100 % A.B.C.E. 0,1490 1,80   41,36 
Fixed 25 years (conditions) < 80 % A.B.C.E. 0,1330 1,61   40,45 
Fixed 25 years (conditions) < 75 % A.B.C.E. 0,1520 1,84   41,53 
Fixed 25 years (conditions) < 90 % A.B.C.E. 0,1630 1,97   42,17 
Fixed 20 years (conditions) < 100 % A.B.C.E. 0,1660 2,01   42,35 
Fixed 25 years (conditions) < 100 % A.B.C.E. 0,1850 2,24   43,46 
Fixed 25 years (conditions) < 95 % A.B.C.E. 0,1960 2,38   44,12 
Fixed 30 years (conditions) < 80 % A.B.C.E. 0,1880 2,28    38,26
Fixed 30 years (conditions) < 100 % A.B.C.E. 0,2080 2,52    39,49

Comments and advice

Rates and conditions can change daily on the VDV CONSEIL website; the rates schedule is immediately amended according to the new market conditions. Always check the date of updates on the websites you visit.

Lower rates and cheaper insurances with the following plans:

Fixed for 13 years instead of 15 years
Fixed for 18 years instead of 20 years

Some plans are not online as they do not work with the calculator.

Examples :

Fixed monthly repayment “accordion” option A.B.C. conditions:
In the event of a rates reduction, the initial period will decrease; in the event of a rates increase, the period can increase.
15-18 = 15 years at the start + maximum of 3 years
20-25 = 20 years at the start + maximum of 5 years
25-30 = 25 years at the start + maximum of 5 years
– fixed term (bullet)
– equal repayment of capital

Comments:
For credit with 1/1/1 revision, the legal maximum variation is limited to +1% after one year and +2% after 2 years; the maximum cap can therefore only occur after 3 years.
“Accordion” option: with each rate variation, you have the option of extending or shortening the initial term.

On this website : http://www.fsma.be/fr/supervision/finbem/hk/article/rihk/ri.aspx you can follow the trend of indices
– Index A (for 1-1-1 plans)
– Index C (for 3-3-3 plans)
– Index E (for 5-5-5 and 10-5-5 plans)

Formula applied to the variation in rates : t = to + (v-vo)
t new interest rate
to initial interest rate
v new reference index
vo initial reference index

For a young couple buying property for the first time (a flat, for instance) and who intend reselling it after a few years, a 5/5/5 or 10/5/5 plan is better than a fixed rate.

125% Mortgage loan, several plans

125% with integrated guarantee insurance and credit-life insurance (the amount to be borrowed will be greater by +/- 8% to 10%)

Other solutions: tailored plans: full assessment by appointment

Loan with exemption: you do not pay anything for the first 6 or 12 months
Up to 36 months capital exemption (you only pay interest for the first 5 years)
Step-By-Step, reduced repayments for the first 10 years of the loan
Fixed Term: you only pay the interest; the capital is repaid in one go at maturity
Fixed Term + build-up through Branch 23 and Branch 21 investment funds
Combination, 2 different loan plans in the same deed
Special plans for investment properties

Credit-life insurance in the event of death and fire insurance

We do not have a calculator online as everybody’s circumstances are different. Please fill in the quotation request forms and you will then receive all the information.

Possible flexibility with certain organizations:

Extending or shortening the current loan term
Changing the current loan’s repayment method
Changing from a variable-rate plan to a fixed-rate plan or vice versa
Deferral of the current loan’s capital
Refinancing of outstanding debt expected from the start to 120 or 150%

CONDITIONS – Legends and explanations:

Terms for granting and obtaining the best rate: none = total freedom in terms of insurances and banking relationship
– A = domiciliation of income
– B = credit-life insurance in the event of death
– C = fire insurance, family insurance
– D = first home, maximum of €260,000, maximum of 20 years, cost/income ratio 40% max., €2,000 available after payment of loan costs, rate + 0.80% with no income domiciliation.
– E = Depending on income, age and occupation. Conditions on request.
– G = account savings or retirement savings commitment
– H = excellent records, disposable income of €2,000 after loan costs, cost/income ratio of 33% maximum, 2 credit-life insurances in the event of death (+0.10 % if only one credit-life insurance, +0.20 % with no domiciliation of income)
– J = purchase in Flanders only + purchase and loan amount limitation (between €213,000 and €282,000) depending on region and number of dependents.

Loan-to-value: Relationship between the loan amount and monetary value of the property.

(2) Should you later terminate terms A.B.C., the initial rate will stay the same!
(3)Contract of illimited duration minimum 3 years, income available after all loans 2.200 € for a couple and 1.500 € for a single person,.
(4) 3 criteria to fulfil: income > 2000 (or 1500 for a single person) after loan costs, loan-to-value < 80%, cost/income ratio
(5) 2 out of the 3 criteria to fulfil: income > 2000 (or 1500 for a single person) after loan costs, loan-to-value < 80%, cost/income ratio
(6) Rate increase of +0.10% by termination of terms later or at the start
(7) Permanent EU civil servants (Commission, Council, Parliament, Court of justice, Court of auditors) and Eurocontrol officers + A income domiciliation
(8) mandatory insurances, insurer free choice
(9) Rate increase of +0.50% if the conditions are no longer adhered to
(10) for a loan of a maximum of €450,000 and a 1st home, this rate can still decrease by 0.10% if minimum net income is €4,000 for a couple or €2,500 for a single person, not valid for loan refinancing
(11) Rate increase of +0.25% if the conditions are no longer adhered to
(12) 2 criteria to fulfil: income > €3,500 (or €2,000 for a single person) after loan costs, loan-to-value < 90%, cost/income ratio <40%
(13) 3 criteria to fulfil: income > €3,500 (or €2,000 for a single person) after loan costs, loan-to-value < 90%, cost/income ratio <40%

To draw up the schedule, we analyse different options by taking into account the best rates without obligations, as well as the best rates with related terms and products.

Not all plans are shown.

 

The information herein is only given as a guide and unless accepted by the lending company/companies, it does not constitute an offer of credit.

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