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Got a real estate project in mind?

Make an appointment at one of our property valuation centres

Personalised support for your real estate project

A tailored mortgage plan

By trusting BGL BNP Paribas’ real estate experts, you’ll give yourself the best chance to make your dreams come true.

Our specialists are there to help you find the perfect structure for your loan, in line with your plans as well as your personal and financial situation.

  • complete range of products offering multiple combinations;
  • fixed, variable or adjustable interest rates:

    • fixed rate guarantees identical monthly payments over the term of the loan;
    • a variable rate that moves in line with the market and allows for early repayment with no additional fees;
    • an adjustable fixed rate combines security and flexibility.
  • Choice of repayment schedule: up to 30 years;
  • linear repayment (principal + interest) of the loan or bridge loan while you wait to sell your existing home.

In practice

Emma and Arthur want to buy their first apartment. Before starting their property search, they decide to  asses their borrowing capacity online. During their search, they use the mortgage simulator to calculate their repayments. Having found their dream home, they contact their advisor to get a tailored solution.

Plan how you will finance your home with complete peace of mind

View our video tips

Frequently asked questions about mortgages

  • icone faq question
    How can I take out a mortgage?

    Make an appointment with your bank advisor to assess your financial position. Your income, savings and personal situation will determine your borrowing capacity.

  • icone faq question
    What’s the waiting period for a response to my mortgage application?

    The response time depends on the urgency and complexity of your project. We’ll do our very best to stick to your schedule.

  • icone faq question
    Can I repay my loan early or repay more than the set monthly instalment without penalties?

    The loan can be repaid early at any time. Fees apply under cerain conditions. If you’ve chosen a fixed rate loan, you may be required to pay break fees (early repayment penalties). The variable rate provides greater repayment flexibility.

  • icone faq question
    We’re not married: Can we take out a loan together?

    Yes, you can take out a mortgage together without being married.

  • icone faq question
    What assistance can I receive?

    The state grants capital or interest assistance to adult individuals who take out a loan for the purpose of purchasing, renovating, converting or building. This can be for an apartment, land or a house. Certain conditions must be met in order to receive this assistance, in particular relating to income and the property’s surface area.

    The state has also set up green loan options. These grant access to preferential loan terms for home energy retrofits.

  • icone faq question
    What tax deductions am I entitled to?

    Debit interest on mortgages is tax deductible. Various caps are applied depending on the purpose of the loan:

    • Rental investment
    • Primary residence,
    • Secondary residence.

    Tax deductibility varies based on the personal situation of each client and is subject to change.

  • icone faq question
    At what age can I start a home savings plan?

    You must be 18 or over to benefit from a home savings scheme. Then, in terms of tax deductions, households with one member aged 40 or younger will see their tax deduction limit doubled.

Documents to download ()

(1) Subject to approval of your application by the bank.