The documents we need depend on your situation.

If you are employed
Please send:

• Employment contract
  You received this when you started your job. It is usually provided by your employer or HR department.
• Most recent payslip
  This is your latest salary slip, often available via your employer’s payroll system or HR portal.
• Annual tax statements
  For example the Belgian Fiche 281.10 or an equivalent document from your home country. These documents are usually provided by your employer or local tax authority.

If you are self employed
Please send:

• Registration with the Crossroads Bank for Enterprises (CBE / KBO)
  This is your official business registration in Belgium and can be downloaded via the CBE / KBO register or obtained from your accountant.
• Annual financial statements and tax returns (last 2 to 3 years)
  These are prepared and filed by your accountant.

If you apply together with someone else
Please send the same documents for that person as well.

You can simply reply to the email and attach your documents.
It is safe and allows us to start working on your file right away.

Do you want more detailed explanations or see example videos showing how to submit your documents?
You can find everything explained step by step here:
https://www.domek.be/mortgages/how-to-submit-your-documents/ 

If anything is still unclear, just reply to the email or contact us. We are happy to help.

Most banks require property and life insurance linked to the loan. We’ll explain which are mandatory and which simply make sense to have.

Your bank only offers its own products. We compare many lenders, explain differences and risks, and help you choose the best solution for your situation.

Besides the property price, you’ll pay notary fees, registration taxes or VAT, and bank-related costs. We’ll give you a full cost overview before you decide.

Yes. Banks assess your actual income over a recent period and the stability of your employment. We’ll advise you on which documents to prepare and which banks are most favorable in such situations.

Yes. Basic business financial documents (such as annual accounts) are required. Even a short business history may be accepted – we’ll check available options with different lenders for you.

Yes. Owning a home abroad doesn’t prevent you from buying in Belgium. However, it affects your credit capacity analysis – we’ll handle that for you.

It’s possible. Banks assess your overall situation (income, stability, obligations). We’ll help you build a credible application and identify banks more flexible toward new residents.

Often yes – it depends on the owner’s decision and your rental agreement. We’ll check your credit capacity and contact the owner to ask if they’re willing to sell.

Yes. The mortgage is repaid from the sale price at the notary’s office. Before the transaction, we’ll check your early repayment conditions with your bank.

In Belgium, besides the purchase price, there are transaction costs (including notary fees, purchase or new-build taxes, and valuation fees). The required contribution depends on the bank and your situation – we’ll tell you exactly what to expect.

Yes. We’ll advise you on how to register meters and choose energy, gas, and internet providers. We’ll also remind you about local taxes and insurance.

Yes – we recommend trusted notaries and coordinate the entire signing process. You can also use our language assistance during the notarial appointment.

It depends on the location, price, and market demand. We’ll prepare a sales plan, valuation, and marketing strategy to make the process as fast as possible.

Yes, foreigners can buy property in Belgium. However, obtaining a mortgage as a non-resident depends on your income, residence status, and the bank’s policy. We’ll check the realistic scenarios for you.

Not with us – it’s transparent and well-organized. We’ll help you choose a bank, negotiate, and coordinate the notary, valuation, and all documentation. We’ll be your point of contact from the first conversation to receiving the keys.

No. The first consultation is free and non-binding. You only pay when you decide to proceed with our services for a specific transaction – no hidden costs.

In addition to the property price, there are notary fees, acquisition taxes, or VAT on new developments, and banking fees. The exact amount depends on the region and type of transaction – we’ll prepare a personalized calculation before you decide.

They usually include the agent’s fee, notary fees, and any mortgage cancellation costs. We’ll summarize everything transparently before starting.

• Preliminary assessment and financing strategy.
• Discussion with the owner and setting terms.
• Property valuation, bank approval, notary signing.
• Key handover.

The entire process is conducted in your language.

– We calculate your borrowing capacity and match you with the best bank offers.
– We organize property valuations, review contracts, and negotiate prices.
– We coordinate the notary process and important dates.
– We help with post-purchase formalities (utilities, insurance, local taxes).
We are independent – we compare many offers to find the best one for you.

You won’t incur any costs on our side. We’ll look for alternative properties nearby within a similar budget.