Your go-to mortgage broker

When you start planning a propertypurchase, you inevitably face a large number of questions: How much can I borrow? Is this house really worth the price? Will I be able to borrow the full purchase amount? What will my interest rate be? How much will I have to pay in legal fees? Which notary should I choose? Which bank should I go to?

Peace of mind for an important decision

Whether it's a home or an investment, buying a property is an important decision in which every detail is vital. First and foremost, it is essential to choose a trusted and experienced travelling companion. With more than 20 years' experience in the sector, LR Finances has all the knowledge and professionalism necessary to prepare, develop and successfully complete your project.

We have been working with a large number of financial institutions for many years, so our team of professionals has all the necessary tools to examine your application, analyse your personal situation and make the most suitable offer based on your ability to repay.

Put our promise to the test with our loan simulator – send us the best rate you find and let us present you with a counter-offer!

What costs need to be considered when taking out a mortgage?

Are you still looking, or have you found the property of your dreams? The rare pearl you want to invest in for the long term? Now you need to find a bank or finance company that will agree to support you in your project.

Here is a list of the expenses involved:

• Property transfer tax (notarial costs): these vary between 6 and 12.5% in Wallonia and Brussels and from 5 to 10% in Flanders. A tax allowance is available under certain conditions.
• The notary's fees
• Mortgage deed fees
• Registration fees
• Banking costs such as loan protection insurance, a survey and administration fees (up to €500)

Note that since December 2019, banks will only finance 90% of the purchase price of the house. An additional 10% deposit is thus required from prospective buyers. This percentage is sometimes negotiable.

Buying a property is an important decision that should not be taken lightly. What is the procedure to follow? How much can you borrow? LR Finances will answer all your questions and make a comprehensive offer that meets your needs in line with your personal situation.

A mortgage loan is an operation that takes place between a lending institution and a borrower with the aim of financing the acquisition of a property (a house, flat, building etc.).

Our credit brokers are ready to welcome you in our offices located near the Rogier station in Brussels. We take the time to analyse your application and support you until the contract is signed. Do you already have other outstanding loans? Ask us about debt consolidation. A solution that should not be underestimated.