Buying a home in a country you might not know very well yet, requires more than standard advice. We specialize in expat situations and can offer:
Yes, it is possible as an expat to buy a property in Belgium, whether you live in Belgium already or consider moving to stay long-term.
However, factors such as residency status, income source and employment type will play a role to assess an application. That’s where our expert advice makes the difference.
"}},{"componentType":"cta","textLink":{"url":"https://www.ing.be/en/individuals/services/contact-us-appointment?subject=mortgage","text":"Schedule an appointment"}},{"componentType":"sectionTitle","title":"How does a Belgian mortgage work?"},{"componentType":"paragraph","richBody":{"value":"A Belgian mortgage is typically a long-term loan with monthly repayments, though other possibilities exist. You have the option to choose for
Find out the differences and the types of loans that are possible here or discuss them with one of our advisors.
Good to know is that different types of discounts can be applied to your interest rate depending on:
In addition to the purchase price, buying a home in Belgium involves extra costs. These typically include:
More information about what you can expect here. You can simulate the costs for your specific project on notaris.be
"}},{"componentType":"sectionTitle","title":"Documents you'll need"},{"componentType":"paragraph","richBody":{"value":"Preparing the right documents upfront helps to smoothen the process. The documents needed will depend on your specific project, but commonly requested documents include:
Your borrowing capacity and whether your application can be accepted depends on different factors. Items to be considered are:
Enter your income, the monthly amount you want to repay, or your own funds to see how much you can borrow.
"}},{"componentType":"feature","featureName":"mortgage-quick-calculator"},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"url":"https://www.ing.be/en/individuals/borrowing/mortgage-loan-simulation","text":"Get your personalized rate"}]},{"componentType":"sectionTitle","title":"Questions? Need help?"},{"componentType":"paragraph","richBody":{"value":"Reach out to us via call, app or chat. Find all contact options here.
"}}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Buying or building ?","intro":"6 steps to your dream house","body":"Buy with ING and unlock a world of possibility","image":{"transformBaseUrl":"https://assets.ing.com/transform/fec232d5-d020-43a6-9d66-d28046e45bd5/Visual_Batibouw_2025_2","type":"image","width":6000,"original":"https://assets.ing.com/m/41f99f33f9a00d57/original/Visual_Batibouw_2025_2.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/home/one-stop-shop-purchase/6-steps-to-your-dream-house"},"checkMarkList":["Home advisors, guiding you at every step","Learning center and online tools","Manage your mortgage in ING App, anytime & anywhere"]},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Renovating ?","intro":"Your energy-saving renovation toolkit","body":"Renovation made easy, from budget to EPC","image":{"transformBaseUrl":"https://assets.ing.com/transform/43fd6560-560b-4110-856b-ad33a107867a/batibouw_Omar_1920x1080_zoom","type":"image","width":1920,"original":"https://assets.ing.com/m/674c4ccc6e30943e/original/batibouw_Omar_1920x1080_zoom.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/home/one-stop-shop-renovation/your-energy-renovation-toolkit"},"checkMarkList":["Home advisors, decrypting your EPC","Interesting partner deals","Improve your EPC and get a lower rate"]},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Home Insurance for owners","intro":"Insurer : NN Non-life","image":{"transformBaseUrl":"https://assets.ing.com/transform/14518c58-d363-4ea1-899d-afff211ed0a5/A-woman-and-a-toddler-sitting-on-the-kitchen-floor-drumming","type":"image","width":1920,"original":"https://assets.ing.com/m/3ad15167e3061bee/original/A-woman-and-a-toddler-sitting-on-the-kitchen-floor-drumming.jpg","extension":"jpg"},"link":{"url":"/en/individuals/insurance/insure-my-home/home-insurance-owners"},"promoText":"20% discount on the 1st year","promotionalLabel":{"labelType":"commercial","body":"Offer"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Your energy-saving renovation toolkit","intro":"Discover our tools and improve the energy rating of your home through energy renovations.","image":{"transformBaseUrl":"https://assets.ing.com/transform/c1b72beb-361d-4eb1-bd7e-a2701f47ffd4/WOMAN-STANDING-BY-WINDOW-IN-ROOM","type":"image","width":7200,"original":"https://assets.ing.com/m/581b649946fb3fe3/original/WOMAN-STANDING-BY-WINDOW-IN-ROOM.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/home/one-stop-shop-renovation/your-energy-renovation-toolkit"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Discover our partner offer for renovation","intro":"Discounts on heat pumps, home batteries, free solar panels and more!","image":{"transformBaseUrl":"https://assets.ing.com/transform/aada17bb-f1ff-4f3d-a07d-0544141beb83/cars-on-street-against-sky","type":"image","width":4883,"original":"https://assets.ing.com/m/7410d91fea92bc64/original/cars-on-street-against-sky.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/home/renovation-partner-offer"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Caution, borrowing money also costs money."},{"componentType":"sectionTitle","title":"Legal notes"},{"componentType":"paragraph","richBody":{"value":"The ING Mortgage Loan, the ING Bridging Loan and the Mortgage loan combined are mortgage loans subject to the law of April 2016 concerning mortgage loans. Offer reserved for natural persons over the age of 18 and subject to prior acceptance of your application by ING Belgium and to mutual agreement.
Your application and any approval of your application by ING Belgium (after examination of your file by ING Belgium) in-branch or via the ‘Mortgage Loans Online’ service at ing.be are not binding for ING Belgium or you until you’ve signed the credit offer at your ING branch (or, in the case of an online application, at home) and returned it to ING. (subject to prior approval of your file by ING). Before this, we’ll look at whether the data disclosed in your application are correct and complete based on, for example, the supporting documents that have been or will be supplied).
General conditions for ING loans are available from any ING branch and on www.ing.be.
This advertising message, relating to a mortgage loan for real estate purposes and for private use, subject to the legislation on mortgage credit, does not constitute a credit offer.
*Offer exclusively intended for adult natural persons and subject to the acceptance of your file by ING Belgium. The general conditions and credit fees are available in all ING branches or on www.ing.be (section “Tariffs and regulations”).
To be eligible for the cashback, the mortgage loan offer for renovation works aimed at saving energy, or for the purchase of a property with an energy score <150 kWh, must be signed between 1 March 2026 and 12 April 2026 at midnight, subject to acceptance of your file by ING Belgium. The €350 cashback will be automatically paid into your current account used to pay the monthly instalments of your mortgage loan, within 3 months after signing the offer letter, and provided there are no payment arrears. The cashback is not considered when calculating the APR. This offer cannot be combined with other offers for the same service and is limited to one reduction per contract (regardless of the number of co‑borrowers). The offer is reserved for the recipients of this communication.
You will receive a personalised mortgage loan proposal when you submit your request, based on a set of factors including, but not limited to, preliminary checks and your risk profile. The request and any approval of your request by ING Belgium (after review of your file by ING Belgium) do not bind either ING Belgium or yourself as long as you have not signed a credit agreement. The accuracy and completeness of the information provided in the request are verified beforehand (including on the basis of documents submitted or to be submitted).
ING Belgium NV/SA – Bank/Lender – Marnixlaan/Avenue Marnix 24, B-1000 Brussels – RLP Brussels – VAT: BE 0403.200.393 - BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789
ING Outstanding Balance Insurance for mortgage loans is an insurance product provided, upon mutual agreement, by ING Belgium SA/nv (insurance intermediary), insurance broker registered with the FSMA under the number 12381A and NN Insurance Belgium nv (insurer), an insurance company, licensed by NBB under the code number 2550.
For all conditions and exceptions, please read the General Conditions
All other important details: