Can I finance 100% of the purchase price with a loan?

Rarely. Belgian banks seldom finance 100% of a purchase; buyers usually need own funds to cover the costs and part of the price. Fixed mortgage rates sat around 3% to 3.5% over 20 to 25 years in 2026. Plan your own contribution early, as it shapes what you can credibly offer. Source: Batibouw / brokers 2026.

The honest answer is that full financing is the exception, not the rule. Belgian banks rarely lend 100% of a property’s price, and they almost never cover the purchase costs on top. In practice a buyer is expected to bring own funds that cover at least the registration duties and notary costs and often a slice of the price itself. Source: Batibouw / brokers 2026.

The cost side is where this bites, because those costs are not trivial. On top of the price you face the registration duties, 3% for an own and sole home in Wallonia since 1 January 2025, or 12.5% otherwise, and the notary costs (fixed honoraria plus disbursements). Source: Lydian 2025; Notaire.be. A bank lending, say, most of the price still leaves you to fund the tax and fees from your own pocket, so the cash you need is more than the deposit alone.

The counter-intuitive silver lining is the rate environment. Fixed rates were stable in 2026 at around 3% to 3.5% over 20 to 25 years, historically moderate, so borrowing is predictable even if the loan-to-value is capped. Knowing your realistic own-funds figure early does two things: it tells you your true budget, and it makes your eventual offer credible, since a financed buyer beats a hopeful one.

This is exactly why a suspensive loan condition in your offer is sensible: it protects you if the bank will not lend as much as you hoped.

At a glance