Public data · updated automatically
Belgian mortgage rate barometer
Two readings of the market, side by side: the rates lenders post in their price lists, and the rates actually signed on new loans, published monthly by the National Bank. The gap between the two is the room for negotiation.
Rates actually agreed
Average rate on new mortgage loans granted to Belgian households, grouped by how long the rate stays unchanged — not by the term of the loan. A 5/5/5 over twenty years therefore appears under « fixed rate for 1 to 5 years ». MIR statistics, National Bank of Belgium / ECB.
Fixed rate for over 10 years
3.53 %
Latest month published : Aug 2026
Fixed rate for 5 to 10 years
3.54 %
Latest month published : Aug 2026
Fixed rate for 1 to 5 years
3.91 %
Latest month published : Aug 2026
Revised within the year
4.69 %
Latest month published : Aug 2026
All formulas
3.70 %
Latest month published : Aug 2026
Three-year trend
Rates posted by lenders
Base borrowing rates collected from public price lists, before conditional discounts. These are “list” rates, not what you get after negotiating.
Fixed rates
Base borrowing rate on fixed-rate formulas, by loan term — here the rate does not move until the end. Under each rate, the gap with the average rate actually agreed over a comparable period.
| Lender | 5 years | 10 years | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|---|---|
| Argenta | — | — | — | — | 4.03 % +0.50 % | — |
| BNP Paribas Fortis Credit Brokers | — | 5.75 % +2.21 % | 5.90 % +2.37 % | 5.90 % +2.37 % | 6.00 % +2.47 % | 6.95 % +3.42 % |
| Belfius | — | 5.00 % +1.46 % | 5.08 % +1.55 % | 5.14 % +1.61 % | 5.16 % +1.63 % | 5.27 % +1.74 % |
| Beobank | 4.52 % +0.61 % | 4.58 % +1.04 % | 4.61 % +1.08 % | 4.88 % +1.35 % | 4.81 % +1.28 % | — |
| Crelan | — | 5.80 % +2.26 % | 5.80 % +2.27 % | 5.85 % +2.32 % | 5.91 % +2.38 % | 6.10 % +2.57 % |
| ING | 5.61 % +1.70 % | 5.41 % +1.87 % | 5.47 % +1.94 % | 5.76 % +2.23 % | 5.93 % +2.40 % | 6.01 % +2.48 % |
| KBC | 5.43 % +1.52 % | 5.59 % +2.05 % | 5.69 % +2.16 % | 5.86 % +2.33 % | 5.94 % +2.41 % | — |
Variable rates
Starting rate by revision formula. A 5/5/5 is fixed for five years, then revised every five years. Loan term used here: 20 years.
Loan term :
| Lender | 1/1/1 | 3/3/3 | 5/5/5 | 8/3/3 | 10/5/5 | 15/5/5 | 20/5/5 |
|---|---|---|---|---|---|---|---|
| Argenta | — | — | — | — | — | — | — |
| BNP Paribas Fortis Credit Brokers | 6.65 % +1.96 % | — | 5.75 % +1.84 % | — | 5.95 % +2.41 % | 6.10 % +2.57 % | — |
| Belfius | 5.06 % +0.37 % | 5.16 % +1.25 % | 5.14 % +1.23 % | — | 5.15 % +1.61 % | — | — |
| Beobank | 4.14 % -0.55 % | 4.12 % +0.21 % | 4.22 % +0.31 % | — | 4.47 % +0.93 % | 4.60 % +1.07 % | — |
| Crelan | 5.38 % +0.69 % | 5.60 % +1.69 % | 5.71 % +1.80 % | 5.80 % +2.26 % | 5.87 % +2.33 % | 6.00 % +2.47 % | — |
| ING | 5.49 % +0.80 % | — | 5.56 % +1.65 % | — | 5.61 % +2.07 % | — | — |
| KBC | 5.63 % +0.94 % | 5.66 % +1.75 % | 5.61 % +1.70 % | — | 5.71 % +2.17 % | — | — |
Gap between the posted rate and the average rate actually agreed for a comparable fixed-rate period. A 1.5-point spread means the market negotiates 1.5 points below list on average.
See every rate collected (146 rows)
Argenta
| Formula | Term | Posted rate | APRC | Conditions | Collected on |
|---|---|---|---|---|---|
| Fixed | 25 years | 4.03 % | 4.33 % | exemple représentatif | 09/09/2026 |
BNP Paribas Fortis Credit Brokers
| Formula | Term | Posted rate | APRC | Conditions | Collected on |
|---|---|---|---|---|---|
| 1/1/1 | 10 years | 6.30 % | 0.00 % | hors réductions | 09/10/2026 |
| 1/1/1 | 15 years | 6.50 % | 0.00 % | hors réductions | 09/10/2026 |
| 1/1/1 | 20 years | 6.65 % | 0.00 % | hors réductions | 09/10/2026 |
| 1/1/1 | 25 years | 6.70 % | 0.00 % | hors réductions | 09/10/2026 |
| 1/1/1 | 30 years | 7.20 % | 0.00 % | hors réductions | 09/10/2026 |
| 10/5/5 | 10 years | 5.95 % | 0.00 % | hors réductions | 09/10/2026 |
| 10/5/5 | 15 years | 5.95 % | 0.00 % | hors réductions | 09/10/2026 |
| 10/5/5 | 20 years | 5.95 % | 0.00 % | hors réductions | 09/10/2026 |
| 10/5/5 | 25 years | 5.95 % | 0.00 % | hors réductions | 09/10/2026 |
| 15/5/5 | 10 years | 6.10 % | 0.00 % | hors réductions | 09/10/2026 |
| 15/5/5 | 15 years | 6.10 % | 0.00 % | hors réductions | 09/10/2026 |
| 15/5/5 | 20 years | 6.10 % | 0.00 % | hors réductions | 09/10/2026 |
| 15/5/5 | 25 years | 6.10 % | 0.00 % | hors réductions | 09/10/2026 |
| 5/5/5 | 10 years | 5.75 % | 0.00 % | hors réductions | 09/10/2026 |
| 5/5/5 | 15 years | 5.75 % | 0.00 % | hors réductions | 09/10/2026 |
| 5/5/5 | 20 years | 5.75 % | 0.00 % | hors réductions | 09/10/2026 |
| 5/5/5 | 25 years | 5.75 % | 0.00 % | hors réductions | 09/10/2026 |
| Fixed | 10 years | 5.75 % | 0.00 % | hors réductions | 09/10/2026 |
| Fixed | 13 years | 5.85 % | 0.00 % | hors réductions | 09/10/2026 |
| Fixed | 15 years | 5.90 % | 0.00 % | hors réductions | 09/10/2026 |
| Fixed | 18 years | 5.90 % | 0.00 % | hors réductions | 09/10/2026 |
| Fixed | 20 years | 5.90 % | 0.00 % | hors réductions | 09/10/2026 |
| Fixed | 25 years | 6.00 % | 0.00 % | hors réductions | 09/10/2026 |
| Fixed | 30 years | 6.95 % | 0.00 % | hors réductions | 09/10/2026 |
Belfius
| Formula | Term | Posted rate | APRC | Conditions | Collected on |
|---|---|---|---|---|---|
| 1/1/1 | 15 years | 5.01 % | — | — | 19/10/2026 |
| 1/1/1 | 20 years | 5.06 % | — | — | 19/10/2026 |
| 1/1/1 | 25 years | 5.10 % | — | — | 19/10/2026 |
| 1/1/1 | 30 years | 5.21 % | — | — | 19/10/2026 |
| 10/5/5 | 15 years | 5.09 % | — | — | 19/10/2026 |
| 10/5/5 | 20 years | 5.15 % | — | — | 19/10/2026 |
| 10/5/5 | 25 years | 5.20 % | — | — | 19/10/2026 |
| 15/5/5 | 30 years | 5.20 % | — | — | 19/10/2026 |
| 15/5/5 | 36 years | 5.29 % | — | — | 19/10/2026 |
| 20/5/5 | 30 years | 5.17 % | — | — | 19/10/2026 |
| 20/5/5 | 36 years | 5.28 % | — | — | 19/10/2026 |
| 3/3/3 | 15 years | 5.11 % | — | — | 19/10/2026 |
| 3/3/3 | 20 years | 5.16 % | — | — | 19/10/2026 |
| 3/3/3 | 25 years | 5.20 % | — | — | 19/10/2026 |
| 3/3/3 | 30 years | 5.41 % | — | — | 19/10/2026 |
| 5/5/5 | 15 years | 5.09 % | — | — | 19/10/2026 |
| 5/5/5 | 20 years | 5.14 % | — | — | 19/10/2026 |
| 5/5/5 | 25 years | 5.18 % | — | — | 19/10/2026 |
| 5/5/5 | 30 years | 5.38 % | — | — | 19/10/2026 |
| Fixed | 10 years | 5.00 % | — | — | 19/10/2026 |
| Fixed | 15 years | 5.08 % | — | — | 19/10/2026 |
| Fixed | 18 years | 5.12 % | — | — | 19/10/2026 |
| Fixed | 20 years | 5.14 % | 6.12 % | exemple représentatif | 19/10/2026 |
| Fixed | 25 years | 5.16 % | — | — | 19/10/2026 |
| Fixed | 30 years | 5.27 % | — | — | 19/10/2026 |
Beobank
| Formula | Term | Posted rate | APRC | Conditions | Collected on |
|---|---|---|---|---|---|
| 1/1/1 | 5 years | 4.25 % | — | hors réductions | 09/09/2026 |
| 1/1/1 | 10 years | 4.12 % | — | hors réductions | 09/09/2026 |
| 1/1/1 | 15 years | 4.04 % | — | hors réductions | 09/09/2026 |
| 1/1/1 | 20 years | 4.14 % | — | hors réductions | 09/09/2026 |
| 1/1/1 | 25 years | 4.20 % | — | hors réductions | 09/09/2026 |
| 10/5/5 | 15 years | 4.58 % | — | hors réductions | 09/09/2026 |
| 10/5/5 | 20 years | 4.47 % | — | hors réductions | 09/09/2026 |
| 10/5/5 | 25 years | 4.51 % | — | hors réductions | 09/09/2026 |
| 15/5/5 | 20 years | 4.60 % | — | hors réductions | 09/09/2026 |
| 15/5/5 | 25 years | 4.63 % | — | hors réductions | 09/09/2026 |
| 20/5/5 | 25 years | 4.67 % | — | hors réductions | 09/09/2026 |
| 3/3/3 | 5 years | 4.52 % | — | hors réductions | 09/09/2026 |
| 3/3/3 | 10 years | 4.10 % | — | hors réductions | 09/09/2026 |
| 3/3/3 | 15 years | 4.02 % | — | hors réductions | 09/09/2026 |
| 3/3/3 | 20 years | 4.12 % | — | hors réductions | 09/09/2026 |
| 3/3/3 | 25 years | 4.18 % | — | hors réductions | 09/09/2026 |
| 5/5/5 | 10 years | 4.52 % | — | hors réductions | 09/09/2026 |
| 5/5/5 | 15 years | 4.12 % | — | hors réductions | 09/09/2026 |
| 5/5/5 | 20 years | 4.22 % | — | hors réductions | 09/09/2026 |
| 5/5/5 | 25 years | 4.28 % | — | hors réductions | 09/09/2026 |
| Fixed | 5 years | 4.52 % | — | hors réductions | 09/09/2026 |
| Fixed | 10 years | 4.58 % | — | hors réductions | 09/09/2026 |
| Fixed | 15 years | 4.61 % | — | hors réductions | 09/09/2026 |
| Fixed | 20 years | 4.88 % | 5.49 % | exemple représentatif | 09/10/2026 |
| Fixed | 25 years | 4.81 % | — | hors réductions | 09/09/2026 |
Crelan
| Formula | Term | Posted rate | APRC | Conditions | Collected on |
|---|---|---|---|---|---|
| 1/1/1 | 15 years | 5.38 % | — | hors réductions | 12/10/2026 |
| 1/1/1 | 20 years | 5.38 % | — | hors réductions | 12/10/2026 |
| 1/1/1 | 25 years | 5.39 % | — | hors réductions | 12/10/2026 |
| 10/5/5 | 15 years | 5.86 % | — | hors réductions | 12/10/2026 |
| 10/5/5 | 20 years | 5.87 % | — | hors réductions | 12/10/2026 |
| 10/5/5 | 25 years | 5.81 % | — | hors réductions | 12/10/2026 |
| 15/5/5 | 20 years | 6.00 % | — | hors réductions | 12/10/2026 |
| 15/5/5 | 25 years | 5.96 % | — | hors réductions | 12/10/2026 |
| 15/5/5 | 30 years | 6.08 % | — | hors réductions | 12/10/2026 |
| 3/3/3 | 15 years | 5.65 % | — | hors réductions | 12/10/2026 |
| 3/3/3 | 20 years | 5.60 % | — | hors réductions | 12/10/2026 |
| 3/3/3 | 25 years | 5.66 % | — | hors réductions | 12/10/2026 |
| 3/3/3 | 30 years | 5.68 % | — | hors réductions | 12/10/2026 |
| 5/5/5 | 15 years | 5.71 % | — | hors réductions | 12/10/2026 |
| 5/5/5 | 20 years | 5.71 % | — | hors réductions | 12/10/2026 |
| 5/5/5 | 25 years | 5.71 % | — | hors réductions | 12/10/2026 |
| 8/3/3 | 11 years | 5.97 % | — | hors réductions | 12/10/2026 |
| 8/3/3 | 14 years | 5.73 % | — | hors réductions | 12/10/2026 |
| 8/3/3 | 17 years | 5.80 % | — | hors réductions | 12/10/2026 |
| 8/3/3 | 20 years | 5.80 % | — | hors réductions | 12/10/2026 |
| 8/3/3 | 23 years | 5.79 % | — | hors réductions | 12/10/2026 |
| 8/3/3 | 26 years | 5.87 % | — | hors réductions | 12/10/2026 |
| 8/3/3 | 30 years | 6.00 % | — | hors réductions | 12/10/2026 |
| Fixed | 10 years | 5.80 % | — | hors réductions | 12/10/2026 |
| Fixed | 12 years | 5.81 % | — | hors réductions | 12/10/2026 |
| Fixed | 15 years | 5.80 % | — | hors réductions | 12/10/2026 |
| Fixed | 18 years | 5.81 % | — | hors réductions | 12/10/2026 |
| Fixed | 20 years | 5.85 % | — | hors réductions | 12/10/2026 |
| Fixed | 25 years | 5.91 % | — | hors réductions | 12/10/2026 |
| Fixed | 30 years | 6.10 % | — | hors réductions | 12/10/2026 |
ING
| Formula | Term | Posted rate | APRC | Conditions | Collected on |
|---|---|---|---|---|---|
| 1/1/1 | 5 years | 5.37 % | — | hors réductions | 19/10/2026 |
| 1/1/1 | 10 years | 5.19 % | — | hors réductions | 19/10/2026 |
| 1/1/1 | 15 years | 5.25 % | — | hors réductions | 19/10/2026 |
| 1/1/1 | 20 years | 5.49 % | — | hors réductions | 19/10/2026 |
| 1/1/1 | 25 years | 5.63 % | — | hors réductions | 19/10/2026 |
| 1/1/1 | 30 years | 5.66 % | — | hors réductions | 19/10/2026 |
| 10/5/5 | 15 years | 5.35 % | — | hors réductions | 19/10/2026 |
| 10/5/5 | 20 years | 5.61 % | — | hors réductions | 19/10/2026 |
| 10/5/5 | 25 years | 5.79 % | — | hors réductions | 19/10/2026 |
| 10/5/5 | 30 years | 5.85 % | — | hors réductions | 19/10/2026 |
| 5/5/5 | 10 years | 5.25 % | — | hors réductions | 19/10/2026 |
| 5/5/5 | 15 years | 5.32 % | — | hors réductions | 19/10/2026 |
| 5/5/5 | 20 years | 5.56 % | — | hors réductions | 19/10/2026 |
| 5/5/5 | 25 years | 5.71 % | — | hors réductions | 19/10/2026 |
| 5/5/5 | 30 years | 5.74 % | — | hors réductions | 19/10/2026 |
| Fixed | 5 years | 5.61 % | — | hors réductions | 19/10/2026 |
| Fixed | 10 years | 5.41 % | — | hors réductions | 19/10/2026 |
| Fixed | 15 years | 5.47 % | — | hors réductions | 19/10/2026 |
| Fixed | 20 years | 5.76 % | — | hors réductions | 19/10/2026 |
| Fixed | 25 years | 5.93 % | — | hors réductions | 19/10/2026 |
| Fixed | 30 years | 6.01 % | — | hors réductions | 19/10/2026 |
KBC
| Formula | Term | Posted rate | APRC | Conditions | Collected on |
|---|---|---|---|---|---|
| 1/1/1 | 10 years | 5.48 % | — | hors réductions | 05/10/2026 |
| 1/1/1 | 15 years | 5.56 % | — | hors réductions | 05/10/2026 |
| 1/1/1 | 20 years | 5.63 % | — | hors réductions | 05/10/2026 |
| 1/1/1 | 25 years | 5.69 % | — | hors réductions | 05/10/2026 |
| 10/5/5 | 15 years | 5.64 % | — | hors réductions | 05/10/2026 |
| 10/5/5 | 20 years | 5.71 % | — | hors réductions | 05/10/2026 |
| 10/5/5 | 25 years | 5.74 % | — | hors réductions | 05/10/2026 |
| 3/3/3 | 10 years | 5.51 % | — | hors réductions | 05/10/2026 |
| 3/3/3 | 15 years | 5.59 % | — | hors réductions | 05/10/2026 |
| 3/3/3 | 20 years | 5.66 % | — | hors réductions | 05/10/2026 |
| 3/3/3 | 25 years | 5.72 % | — | hors réductions | 05/10/2026 |
| 5/5/5 | 10 years | 5.47 % | — | hors réductions | 05/10/2026 |
| 5/5/5 | 15 years | 5.55 % | — | hors réductions | 05/10/2026 |
| 5/5/5 | 20 years | 5.61 % | — | hors réductions | 05/10/2026 |
| 5/5/5 | 25 years | 5.67 % | — | hors réductions | 05/10/2026 |
| Fixed | 5 years | 5.43 % | — | hors réductions | 05/10/2026 |
| Fixed | 10 years | 5.59 % | — | hors réductions | 05/10/2026 |
| Fixed | 15 years | 5.69 % | — | hors réductions | 05/10/2026 |
| Fixed | 20 years | 5.86 % | — | hors réductions | 05/10/2026 |
| Fixed | 25 years | 5.94 % | — | hors réductions | 05/10/2026 |
How to read this barometer
The posted rate is not the rate you will pay. Price lists are a starting point: banks grant discounts for loan-to-value, salary domiciliation, insurance taken out and, quite simply, negotiation.
The agreed rate is an average. It mixes very different borrower profiles; a strong file gets better, a weak one worse. But it is the only independent measure of what the market really signs.
A widening gap between posted and agreed rates signals strong competition between banks — the moment to play several offers against each other.
Sources: European Central Bank, Data Portal, MIR series (Belgium, households, loans for house purchase, new business); lenders' public price lists. Automated weekly collection by GuideImmo. Posted rates are extracted automatically from PDF documents and may contain reading errors — each bank's official price list prevails.