Buy your home with peace of mind
If you’re thinking about buying a house, flat or building plot or maybe helping someone search for theirs, you probably already know that it’s anything but a simple process. Perhaps you keep missing out on your dream home at the last minute or you’re not exactly sure what’s financially feasible. We’ll see to it that you find your new home stress-free.
- Find your dream home with our partner Immoscoop
- See how much you can borrow to finance your home
- Protect your home with customised insurance cover
The start of your search
The property market can sometimes be complicated – just ask anyone who’s just bought a house or flat. It’s constantly changing and you’re not the only one looking for their dream home, which often makes the whole buying process a challenge.
There are also lots of things to consider when searching for your new home. What is your budget and where do you want to live? Are you after a house, flat or building plot and which type of insurance cover should you take out?
Perhaps you don’t know where to start. That’s where we come in to help you through the entire process! You take care of everything in KBC Brussels Mobile, i.e. from finding your dream home to financing and protecting it. It’s a case of buying a house, but without the hassle.
How KBC Brussels helps you in your quest to buy your home
Find your dream home on Immoscoop
Your first step is to scroll through Immoscoop and find your dream home before it appears on other property sites.
Estate agents place the properties directly on the Immoscoop platform. Sometimes they are an ‘Immoscoop only’ property, which means that the details of the property have not been published anywhere else, giving you a head start on other property hunters. It also says how long the listing can be seen exclusively on Immoscoop.
You then save your favourite properties or create a search profile and get notified as soon as a property comes online that meets your requirements.
We’re here to help you make the right choices for your mortgage loan. You can first work out your loan in our online simulation and see what’s financially feasible for you. You’ll also get clear answers to such questions as ‘How much can I borrow?’, ‘How long should I borrow for?’ and ‘Should I opt for a fixed or a variable interest rate?’.
You can then immediately check online to see if your loan is feasible. If you get the green light and want to proceed with the application, a home expert will contact you before you submit your final application and go over everything again to ensure you’ve filled in everything correctly.
Good to know: You get our best rate straight away in your online simulation. If you’re buying an energy-efficient home or planning energy-efficient renovation work, you’ll get an additional discount on your interest rate.
Have peace of mind and arrange the right insurance
Imagine something happens to your home or contents. That’s why it’s important to take out the right insurance. Home insurance (also known as fire insurance and home contents insurance) protects you from the financial risks associated with damage caused to your home by fire, water or a natural disaster. You also get a discount on your interest rate if you take out your home insurance with us in addition to your mortgage loan.
Family insurance helps protect you against the financial consequences of damage caused by – or of negligence on the part of – you or others. Regardless of whether you’re single or have small children who get into mischief, family insurance is essential in every household.
More information
Good to know
Legal information
Loan type: mortgage loan for immovable property. Subject to your loan application being approved by KBC Bank NV. Lender: KBC Bank NV – Havenlaan 2 – 1080 Brussels – VAT BE 0462.920.226 – RLP Brussels
Instalment loan details
KBC Home Insurance
KBC Home Insurance is a property insurance policy from KBC Insurance NV. Don’t forget to read the information document for owners at kbc.be/homeinsurance before taking out the insurance.
- This product is governed by the laws of Belgium.
- The insurance applies for a year and renews automatically unless you cancel it no later than two months before the principal renewal date.
- Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, or if you have taken out this insurance online, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94, tel. 016 43 25 94. If you cannot find a suitable solution, you can contact the Belgian insurance industry’s ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be, www.ombudsman-insurance.be.
- This does not affect your legal rights.
You are covered for the risks listed in the General Conditions. Some examples: damage caused by fire, storm, water and collision. Not covered: loss, deliberate damage, flooding, etc. The full list of exclusions can be found in the General Conditions.
Visit our website or contact one of our insurance experts to request a quote for KBC Home Insurance. KBC Home Insurance is a product offered by KBC Insurance NV, a Belgian insurance company.
More information
Read this information carefully before taking out this insurance.
You will find other important documents below:
KBC Family Insurance
KBC Family Insurance is a form of third-party liability insurance provided by KBC Insurance NV.
- This product is governed by the laws of Belgium.
- The insurance applies for a year and renews automatically unless you cancel it no later than two months before the principal renewal date.
- Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, or if you have taken out this insurance online, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94, tel. 016 43 25 94. If you cannot find a suitable solution, you can contact the Belgian insurance industry’s ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be, www.ombudsman-insurance.be.
- This does not affect your legal rights.
What is insured?
Family insurance covers you for personal third-party liability, i.e. loss, damage and/or injury suffered by someone outside your family for which you are held liable. Should you be deemed liable, we compensate the person who suffered the loss, damage and/or injury. Everyone living with you is covered by your family insurance. The policy also covers any loss, damage and/or injury caused by your animals to other individuals.
What is not insured?
Loss, damage and/or injury that you cause to yourself or family members. Loss, damage and/or injury caused by serious misconduct on the part of a member of your family aged 18 or older (e.g., acts of violence, theft, vandalism). Loss, damage and/or injury caused intentionally by a member of your family aged 16 or older. Loss, damage and/or injury caused by your saddle horses or by animals that you, as private individual residing in Belgium, are not allowed to keep. Schade die je veroorzaakt aan jezelf of aan iemand van je gezin. Schade die iemand van je gezin van 18 jaar en ouder veroorzaakt door een zware fout (bijvoorbeeld geweldpleging, diefstal, vandalisme). Schade die iemand van je gezin van 16 jaar en ouder opzettelijk veroorzaakt. Schade door je rijpaarden of door dieren die je als particulier in België niet mag houden. Disputes in which you are involved as the owner or driver of a motor vehicle that is subject to compulsory motor vehicle insurance.
Compensation and deductible
For bodily injuries, we provide cover of up to 30 million euros per claim event and there's no deductible to pay. We provide cover of up to 10 million euros for material damage and you pay a deductible of 250 euros per claim event.
Please go to www.kbcbrussels.be, use KBC Brussels Touch or KBC Brussels Mobile, or contact your Insurance Expert to get a premium calculation for KBC Family Insurance.
KBC Family Insurance is a product provided by KBC Insurance NV, Professor Roger Van Overstraetenplein 2, 3000 Leuven, Belgium.
VAT BE 0403.552.563, RLP Leuven, IBAN BE43 7300 0420 0601, BIC KREDBEBB.
Company licensed by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium, for all classes of insurance under code 0014 (Royal Decree of 4 July 1979, Belgian Official Gazette of 14 July 1979).
Member of the KBC group
More information
Read this information carefully before taking out this insurance.
Below you will find other important documents: