FAQs about MyHome

MyHome is your hub in KBC Brussels Mobile for everything that’s home-related, such as buying, renovating, getting quotes, calculating your energy rating and much more. It enables you to find everything faster and lets us provide exactly the help you need. 

Absolutely! Even if you don’t have any plans, you can still use MyHome. The content adapts to suit your situation.

MyHome is only accessible if you are over 18 and have activated the ‘Extra convenience’ option in your settings. If you have any questions about this, you can always ask Kate or contact KBC Brussels Live. 

To get started with MyHome, you first have to answer a few questions, such as whether you own or rent where you live, whether you have renovation plans, and so on. MyHome is then tailored to your situation based on your answers. 

 Not at the moment, but we are working on it. 

We will send you notifications to share interesting information with you about the home, renovating and green energy. 

• MyHome is the place to go for everything to do with your home – from buying your new home to financing the purchase and taking out insurance. If you’re planning renovation work, MyHome will help you work out your costs and request quotes.
• MyMobility gives you an overview of all mobility solutions, such as car loans, bicycle leasing and mobility budgets. If you’re looking for a new car, you’ll find a wide range of new and second-hand cars on MyMobility. 

Before you get started with MyHome, you need to answer a few questions. At this stage, you first check that we have the correct address of your property. You can change it or add an additional property. If you haven’t done this, you can always edit the details of your house or flat at the top of the overview screen. 

They are taken from our property database. Some properties may be linked to you through current and/or past loans. 

If you neither own nor rent your property, you can indicate that you live with someone else. The home that you live in is not automatically added to MyHome in this situation.  

If you don't live in a house or flat, choose what best suits your living situation. This choice will have little impact on your MyHome overview. 

Tap the ‘plus’ sign above ‘Add property’ in MyHome. You are then given the option to add an additional property. 

If you own a number of properties, you can add each one separately. For each property, you will receive a separate overview in MyHome. 

The maximum number of Belgian properties you can add is 15. 

At present, you can only add properties located in Belgium. 

Check if you saved your property details properly and try again if necessary. If it still doesn’t work, ask Kate or contact KBC Brussels Live. If you chose the option ‘I live there with someone else’, your property will not be added to MyHome.

We calculate your rating based on the information you provide about your property. We take into account your insulation, windows, heating and/or cooling systems, energy installations (solar panels, home battery) and your EPC rating (‘label’). 

No, the rating in KBC Brussels Mobile is an estimate of the energy efficiency of your home and is separate from your official EPC rating. 

You can work out the cost of a renovation loan in the MyHome overview (under ‘Renovating your home’). You always have the option of going to ‘Offer’ in MyHome and working out your loan there. 

You can request several no-obligation quotes for your home in MyHome. KBC Brussels works with ‘Impact us today’ to provide this information. 

Once you have requested your quote, a reliable contractor will contact you within five business days to schedule an appointment. After they’ve visited, you’ll receive a no-obligation quote.

We work with ‘Impact us today’ for all renovation-related quotes. 

You can apply for grants and subsidies from the federal government or Flemish regional government for renovating your home or making it energy-efficient. Be sure to check if you’re eligible for this support. 

You can work out the cost of an energy loan in the MyHome overview (under ‘Renovating your home’). You always have the option of going to ‘Offer’ in KBC Brussels Mobile and working out your loan there. 

KBC Brussels works with ‘Impact us today’ when it comes to installing insulation, heating, windows, solar panels and home batteries. They work with reliable contractors in your area. 

Once you have requested your quote, a reliable contractor will contact you within five business days to schedule an appointment. After they’ve visited, you’ll receive a no-obligation quote. 

Yes, you can link your digital meter to MyHome by tapping ‘View’ in your home’s details at the top of the screen. You will normally see ‘Energy insights’, which is where you add your EAN code and your home address. Once you have gone through these steps, you can keep an eye on your electricity and gas consumption. You will receive insights based on your consumption. KBC Brussels works with Eliq to provide this information. 

If you have natural gas, you ought to see your consumption. Be sure to check all your details again. What you consume from any other energy source is not recorded by the digital meter. 

To receive insights, you need a digital meter. We recommend going through all the steps again or contacting KBC Brussels Live. 

You can see which loans are linked to your home in its overview in MyHome. You can do this for both mortgage loans and instalment loans. 

You can run a simulation for a home loan in MyHome or when you have added a property . You will be redirected to the simulation section of KBC Brussels Mobile to do the number crunching. 

You can run a simulation for an energy loan in MyHome or when you have added a property. You will be redirected to the simulation section of KBC Brussels Mobile to do the number crunching. 

You can see which insurance policies are linked to your home in its overview in MyHome. 

You can run a simulation or apply for (new) insurance in your home’s overview in MyHome. You will be redirected to the insurance section of KBC Brussels Mobile to do the number crunching. 

If you indicated when answering the questions that you are looking for a property, you will see a few properties listed for sale in your area when you first visit MyHome. 

You can search for properties in your area or in other regions by tapping the ‘search criteria’ button in the top right of the carousel and choosing your region, the property type you are looking for and your budget. 

If you want to see all properties matching your criteria, you can tap ‘number of properties found’. You will then be taken automatically to Immoscoop where you will see a list of all the properties we have found for you. You don't need to fill in your wish list again here, unless you want to change them. 

You will see up to 10 properties that match your search criteria. When you get to the end, we can refer you to Immoscoop. You can then simply continue scrolling.

We partner with Immoscoop to find your dream home. They let us know when properties come up for sale that match your search criteria. 

Once you have indicated that you are looking for a property, Immoscoop shows relevant properties that match your preferences and budget. You can save search results and receive notifications about new properties. 

The first time you are referred to Immoscoop, a shared profile is created that enables us to provide you with a personalised user experience. The next time you open MyHome, you will see properties from your last saved search in Immoscoop. This means you always get to see new properties on both platforms.

Before Immoscoop creates the shared profile, we ask permission to share your data with our partner. You are also given the option to indicate whether you want to receive e-mails from them. 

To work out the budget for your home, we need information about a few things from you:

• Your income
• Your expenditure
• How much of your own money you are putting in

This information is only used to find relevant properties that fit your budget. It is not used for any other purposes. 

You can recalculate your budget by adjusting your details to your new situation. 

Before we grant a loan, we need to carry out a few checks. In certain cases, you may be able to borrow less than the amount the budget calculator has projected. 

The National Bank of Belgium (NBB) has a few rules that apply for all Belgian banks in order to keep financial risks as low as possible. That’s why we ask you to pay at least 10% of the purchase price yourself. In specific cases, you can borrow the full amount. You can find out more about this arrangement at your bank branch. 

• Maximum loan amount: 90% of the purchase price. This means that if you buy a home for 300 000 euros, you can borrow a maximum of 270 000 as standard. You have to pay the remaining 30 000 euros yourself. Some customers can borrow 100% of the purchase price. You can find out more about this arrangement at your bank branch.
• Minimum own financial input: 10% of the purchase price plus legal fees (deed of purchase, registration duties, collateral, loan origination fee, etc.).