Easyhome can point buyers toward financing help in general terms, but arranging your mortgage stays your decision. A broker compares offers across banks, which can save time and money, especially since Belgian banks rarely lend 100%. Fixed rates were around 3% to 3.5% in 2026. Source: Batibouw / brokers 2026.
Financing sits alongside the property search rather than inside it, and Easyhome keeps a clear line here: the agency advises on the purchase, while the loan is arranged between you and a lender or a broker of your choosing. Easyhome can help you think about financing in general terms, but it does not tie you to any single named broker or bank.
A mortgage broker (courtier) is worth understanding because of what they do: they compare loan offers across several banks on your behalf, rather than you approaching each lender one by one. That comparison matters in a market where banks rarely finance 100% and where the terms, not just the headline rate, differ. Fixed rates were stable in 2026 at around 3% to 3.5% over 20 to 25 years, but conditions such as how much a bank will lend against the value vary from one to the next. Source: Batibouw / brokers 2026.
The counter-intuitive value of a broker is often in the loan-to-value and the conditions, not only the rate. Two banks quoting a similar rate may differ on how much of the price they will cover or what own funds they require, and that gap can decide whether your purchase is feasible at all. A broker who knows those appetites can save both time and, sometimes, money.
Whether you use a broker or go direct, the sound sequence is the same: sort financing early, keep a suspensive loan condition in your offer, and let your Easyhome adviser align the property timeline with your loan.
At a glance
| Point | Detail |
|---|---|
| Does Easyhome tie you to a broker? | No; the choice is yours |
| What a broker does | Compares loan offers across several banks |
| Why it helps | Banks rarely lend 100%; conditions differ |
| 2026 fixed rates | Around 3% to 3.5% over 20 to 25 years |
| Where a broker adds value | Loan-to-value and conditions, not just the rate |
| Good practice | Arrange financing early, keep a loan condition |