Make your house a more sustainable home

At KBC Brussels, we’re fully committed to living more sustainably, which is why you can borrow more cheaply if you buy an energy-efficient home or carry out energy-saving renovations. Not only that, you also get more insight into your energy consumption in KBC Brussels Mobile.

  • Save money and energy
  • Get more insight into your energy consumption
  • Tap into KBC Brussels’s expertise
Find out more





Save money and energy

KBC Brussels Energy Loan

If you’re investing at least 50% of your renovation budget in energy-saving improvements for your existing home, you can apply for an energy loan with top-value interest rate. You can apply using Mobile or Touch and borrow up to 50 000 euros for a maximum term of 10 years. If you would like to borrow more, please contact your KBC Brusselsbranch. In addition, an energy loan doesn’t require you to pay any notarial fees, which is ideal if you’re considering improvements such as solar panels, a heat pump or a home battery.

Find out more about our energy loan

Flemish renovation loan 

If you use a mortgage loan to purchase and renovate a property with a poor energy performance rating and then make that home significantly more energy efficient within five years, you can get some or all of the interest on your renovation loan back from the Flemish government.

Find out more about the Flemish renovation loan

Discounts for energy-efficient homes

In addition to the Flemish renovation loan and the KBC Brussels Energy Loan, you can also get an additional discount on the interest rate of your new mortgage loan with KBC Brussels. You can get it right away when purchasing an energy-efficient property. You can also make improvements to your home’s energy efficiency within seven years, which will net you a discount on your interest rate if your renovations improve your home's EPC rating.

Learn more about discounts for energy-efficient homes

Good to know

You can also combine the options listed above. For example, you can get an interest subsidy on your renovation loan as well as a discount on the interest rate for your mortgage loan, and you can also apply for various grants. If you don't qualify for an energy loan, you can apply for a renovation loan instead.

The energy market is going through a transition – Europe is aiming to be fully climate neutral by 2050. As a bank, we play an important role in achieving this objective. For instance, we are refining our approach to responsible investing and helping our customers by providing them with insights into how they can save on energy. Moreover, as a bank-insurer, we offer cheaper loans to finance energy-efficient investments, which can then be covered under our home insurance policy.

Jurgen Vandervelde - General Manager Marketing & Communication

A few examples

Example 1

  • You buy a house with an EPC rating of B in January 2023
  • You take out a mortgage loan to purchase and renovate your home
  • You immediately begin renovations to improve your EPC rating

Which discounts can you receive?

You immediately receive a discount on the interest rate for your mortgage loan with KBC Brussels. You can also get an additional discount on your interest rate if your EPC rating improves to A or better.

Example 2

  • You already have a home and would like to install solar panels or a heat pump
  • You use an energy loan or mortgage loan starting from 12 500 euros
  • You improve your EPC rating and can provide a certificate as proof

Which discounts can you receive?

You receive a top-value rate on your energy loan, and if you’re financing your renovations with a new mortgage loan, you can also get a discount on your mortgage loan’s interest rate if your EPC rating improves to at least a B. You aren’t eligible for the Flemish renovation loan, however, because it only applies to the purchase of a new home.

Get more insight into your energy consumption

Find out more

Tap into KBC Brussels’s expertise

If you’re interested in learning more about sustainable living, we’re always happy to help:
  • Ask Kate
  • Contact KBC Brussels Live using KBC Brussels Mobile or by calling 02 303 31 60
  • Make an appointment with your KBC Brussels branch

Good to know

* Representative example: for an instalment loan of 10.500 euros to be repaid over 60 months at a fixed annual debit rate and annual percentage rate of charge of 3.45%, you pay 60 instalments of 190.54 euros per month or 11,431.77 euros in total. Rate applies on 04-01-2023 for terms of up to 60 months, for an instalment loan used to finance energy-saving renovations.

Remember, borrowing money also costs money.

The KBC Brussels Energy Loanis an instalment loan. Lender: KBC Bank NV, Havenlaan 2, 1080 Brussels, VAT BE 0462.920.226, RLP Brussels, FSMA 026256 A. Subject to your loan application being approved by KBC Bank NV and mutual agreement.

The KBC Brussels Home Loan is a mortgage loan for immovable property. Subject to your loan application being approved by KBC Bank NV. Lender: KBC Bank NV, with registered office at Havenlaan 2, 1080 Brussels, Belgium. VAT BE 0462.920.226 – RLP Brussels.

KBC Home insurance for owners is a KBC Insurance product. Don’t forget to read the information document at before taking out the insurance. KBC Home insurance for owners may include one or more of the following types of insurance cover: home insurance, home contents insurance, theft of home contents insurance, swimming pool insurance, garden insurance and soil decontamination insurance. These are forms of property damage insurance. These forms of insurance cover are intended for owners-residents of private homes who do not use their home for commercial activities or liberal professions.

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 three 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, please send an e-mail to KBC Complaints Management at or call 016 43 25 94. You can also contact the Belgian insurance industry’s ombudsman service:, 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 quotation for KBC Home insurance for owners. KBC Home insurance for owners is a product offered by KBC Insurance NV, a Belgian insurance company.