The budget for insulation work varies enormously depending on the condition of the house, its size and your wishes (the areas to be insulated(roof and floor insulation) and the method used to achieve this, the type of materials used(solar water heaters, solar panels, heat pumps), energy consumption plans etc.).
Examples of average costs of an energy-saving renovations retrofit project:
Roof or attic insulation | 20 to 100 euros/sq.m |
Cavity wall insulation | 15 to 30 euros/sq.m |
Outside wall insulation | 100 to 250 euros/m² (with the new coating) |
Floor insulation | 20 to 50 euros/sq.m |
Windows and frames | Between 400 and 500 euros/m² |
Don't know where to start when it comes to insulating your home?
Experts calculate lost energy costs through the roof to be 30%. Furthermore, insulation work on roofs (or replacing roof coverings with high-efficiency glass), attics, and loft areas are all items that are often eligible for retrofit grants.
In addition, an energy audit can give you an idea of the specific parts of your home with increased energy consumption that need to be insulated in priority. The result: tailor-made energy-saving investments and the comfort you want!
You must contact an approved energy auditor. Official lists are available in the links below:
In Belgium, you can benefit from financial incentives such as public renovation grants:
the financial assistance available for your insulation work varies depending on the authorities involved (federal, regional, provincial or municipal);
this assistance may take the form of energy grants, tax breaks zero-rate (0% loan) or low interest rate loans;
This public financial support is subject to certain conditions, such as your income, the type of work, the age of the house, whether or not you have had an energy audit carried out, etc.
The energy grants available change over time. Some are temporary, others disappear or are reduced.
We therefore advise you to research your particular case to determine exactly what you are entitled to. Check out our guide to financing an energy retrofit.
In addition to these government financial incentives, you can finance your insulation work with an energy loan at an attractive interest rate, which works similarly to a mortgage loan.
"}},{"componentType":"sectionTitle","title":"What loans are available for a home insulation retrofit project?"},{"componentType":"paragraph","richBody":{"value":"You can turn to a credit institution to ease the personal financial burden of your insulation work. You will find energy loans at more attractive interest rates than traditional renovation loans. These loans are for renovation work, most of which is aimed at improving the energy efficiency of the home. For example, the ING Energy Loan can help finance your insulation work, but to be eligible, make sure that at least 75% of the sum applied for is used for work to improve the energy performance of your home!
Good to know! Such a consumer loan can be combined with government assistance.
"}},{"componentType":"sectionTitle","title":"Also consider!"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Energy loan for renovations","intro":"Reduced-rate installment loan when at least 75% of your renovation are aimed at saving energy.","image":{"transformBaseUrl":"https://assets.ing.com/transform/a8e158f4-4dcd-48b3-8e6d-964f0c4c0f66/A-smiling-young-woman-stands-on-a-ladder-beneath-the-doorframe-holding-out-blue-cables-to-the-camera","type":"image","width":8268,"original":"https://assets.ing.com/m/6cae176aa2d05bb0/original/A-smiling-young-woman-stands-on-a-ladder-beneath-the-doorframe-holding-out-blue-cables-to-the-camera.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/energy-loan-renovation"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Renovating your house ecologically","body":"Would you like to help the environment and your wallet at the same time? Find out how.","image":{"transformBaseUrl":"https://assets.ing.com/transform/edf136b7-aef8-4537-a162-0d693c761b47/ecological-renovation-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/4a799e95fea19d92/original/ecological-renovation-1920.jpg","extension":"jpg"},"date":"2024-03-27","link":{"url":"/en/individuals/my-life/housing/ecological-renovation-steps"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Calculate and improve your EPC","intro":"Thanks to the Renovation Simulator, you will have concrete ideas for making your home more sustainable.","image":{"transformBaseUrl":"https://assets.ing.com/transform/239180b4-c34f-4f96-8a9d-8e302422fa8b/making-your-home-sustainable-where-should-you-start-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/e692ddb1848e8e3/original/making-your-home-sustainable-where-should-you-start-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/calculate-improve-epc"}}]},{"componentType":"paragraph","title":"Sources:","richBody":{"value":""}}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes"},{"componentType":"paragraph","title":"Legal information related to advertising on this product","richBody":{"value":"The amount that you are likely to be able to borrow, as stated in the advertising message, is communicated for information purposes only. Neither the granting of the loan nor the aforementioned amount are guaranteed by ING Belgium. To determine the amount thus simulated, we took into account a set of data currently known to ING, in particular: your financial situation (i.e. your income and any extra-legal benefits as well as your expenses on your ING accounts as well as your savings, loans and investments with ING), your personal and family situation known to ING (in particular, your age, your personal status, your dependents) and the fact of exercise an independent activity. On the other hand, it is not required to provide the following information (which will be requested and/or verified in the event of a credit application on your part), in particular: your professional situation, the type of residence you occupy, other expenses or income not known to ING or futures, your savings and investments with ING, as well as credit data with third parties consulted with the National Bank of Belgium.
This advertising message, which concerns an installment loan for private purposes subject to consumer credit legislation, does not constitute an offer of credit. It is intended exclusively for natural persons of legal age and any request for credit is made subject to prior acceptance of your file by ING Belgium and mutual agreement. The general conditions and rates for this loan are available from all ING branches and can be consulted on www.ing.be (section 'Rates and regulations'). Your request and the possible approval of your request by ING (after examination of your file by ING) in a branch or through the 'Consumer Loans Online' service on www.ing.be, do not commit either ING or yourself, as long as you have not signed a credit agreement at your ING branch or, in the case of an online request, as long as you have not returned the signed credit agreement (after prior approval of your file by ING) to ING, where it is checked beforehand whether the data provided in the request are accurate and complete (among other things, on the basis of the documents submitted or to be submitted).
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