Many internationals in Belgium work through employment agencies.
A common question is: “Can I still buy a home if I don’t have a permanent contract?”
The answer is yes — it’s absolutely possible. You just need to know how banks assess your situation.
What banks really look at
Banks in Belgium focus mainly on your income stability, not only your contract type.
If you’ve been working regularly and can show consistent salary payments, your agency job can be accepted.
They’ll check:
- How long you’ve been working in Belgium
- Your average monthly income
- Whether you have a residence permit or fixed address
- Any existing loans or debts
- If your work pattern is steady, many banks see it as a reliable income source.
Documents you’ll need
To apply for a mortgage, you’ll need to show that you’ve been earning steadily.
The main documents include:
- Your last three payslips
- Employment confirmation from your agency
- Recent bank statements showing your salary
- ID or residence card
- Proof of savings (for your own contribution)
If your paperwork is complete and clear, approval is often faster.
How much can you borrow if you work through a staffing agency?
In most cases, the rules are similar to any other employee.
You can borrow up to 80–90% of the property value, depending on your financial situation.
Your advisor can check how different banks view your income and where you have the best chance of getting approved.
Tips to increase your chances of approval
If you work through an agency and plan to buy soon, these small steps can help:
- Avoid switching agencies right before applying.
- Keep your income consistent for at least three months.
- Show that you’ve saved some money for the down payment.
- Keep all your payslips and contracts organized.
The more stable your situation looks, the easier it becomes for banks to say yes.
Why professional help matters
Each bank interprets agency work differently.
Some will consider it “temporary,” others see it as stable income if you’ve been working continuously.
A mortgage advisor who knows the system can present your case in the best way — and help you find a bank that fits your situation.
You can buy your home — even with a staffing agency contract
Working through an employment agency doesn’t stop you from owning a home in Belgium.
With good preparation and the right guidance, you can make it happen faster than you think.
The all-in-one Home and Mortgage service for Expats
At Domek, we make moving to Belgium simple and stress-free.
With over 15 years of experience and a team of 100+ professionals, we help internationals find their dream home, get the best mortgage, and arrange all necessary insurances.
Our all-in-one service also takes care of everything that comes after — from setting up gas, water, and internet to handling taxes and benefits.
One trusted partner, one clear process, all in your own language.
We combine local expertise with personal guidance so you can save time, avoid paperwork stress, and enjoy the lowest possible rates.
From your first home search to the key handover, Domek makes every step easy, transparent, and tailored to you.
