ONE OVERVIEW
What do you need now?
Here are official starting points for forms, support, insurance and work on a home in Flanders. Conditions depend on your circumstances and may change. Check them with the responsible authority before applying or ordering work.
You choose the recipient and send the message from your email app.
“What might be difficult or impossible to put right later?”
Forms and documents
- Prepare your purchase and mortgage deedOur checklist for the purchase deed. Discuss your actual documents with the office.
- Arrange meter readings and energy contractHow to deal with meter readings and your energy contract when moving.
- Housing passportSee what information the Flemish authorities hold about a home. You may need to sign in.
- Apply for Mijn VerbouwPremieApplication steps and the documents to prepare.
Grants and financing
- My Renovation PremiumCheck the current conditions for each type of work and income category.
- Mijn VerbouwLeningCheck whether you can borrow through the Energiehuis for planned work.
- Flemish housing loanInformation and an initial eligibility check for buying a home in Flanders.
- Reduced registration tax for your sole own homeRead the conditions. Your particular ownership and residence circumstances need a separate check.
Insurances
- Guaranteed Housing InsuranceFree Flemish insurance for eligible borrowers. Apply within one year of the first drawdown of the loan, not the first repayment.
- Insurance with a mortgage loanWikifin explains home and outstanding balance insurance and what to discuss with your lender.
- Home or fire insuranceRead what the insurance protects and compare cover.
- Outstanding balance insuranceRead which risk is insured and check the terms of your policy.
Renovating and building work
- Renovation obligation for homesUse the EPC to check whether an obligation applies and which exceptions exist.
- Understand a home’s EPCRead what the certificate says about energy performance and possible improvements.
- Renovate a houseAn overview of preparation, permits and practical steps.
- Environmental and planning permitCheck before starting work whether a permit or notification is needed.
General information
- Buying a homeNotaris.be explains offers, the sale agreement and the deed.
- Mortgage creditNotaris.be explains the credit deed and security.
- Estimate purchase and mortgage costsAn estimate from Notaris.be. Your case may differ.
- Buy a home with NotaHomeOur explanation of your purchase and questions to ask beforehand.
A specific question about your purchase or mortgage?
A link provides general information. Your sale agreement, loan and plans require a review of the documents in your case.