Porting Your Mortgage to a New Home in Belgium 2026

The Short Answer

PORTING YOUR MORTGAGE = SAME AMOUNT, DIFFERENT HOME!

Aspect	Details	2026 Info
What	Transfer Existing Mortgage to New Property	Standard Procedure
Benefit	No New Application, Faster	2-3 Weeks Faster!
Benefit	Same Interest Rate (FAVOURABLE!)	3.2-3.5% Retained!
Benefit	Lower Costs	€500-€1,000 Notary Only
Benefit	Less Red Tape	No Mortgage Application Needed!

1. HOW DOES MORTGAGE PORTING WORK?

STEP 1: Notary Registers the Mortgage on the NEW Property

You Sell the Old Property
At the Same Time: the Mortgage Moves from Old → New
SECURITY: The Bank Gets the New Property as Collateral!

STEP 2: The Old Mortgage is REPAID

The Old Property is Sold
Sale Proceeds Go Towards Repaying the Mortgage
The Old Mortgage Disappears!

STEP 3: The New Mortgage is Registered on the New Property

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The New Property Receives the Mortgage Registration
EXACTLY the Same Amount & Interest Rate!
You Pay the Same Monthly Amount!

BENEFIT: Security for the Bank! (Old Property Replaced by New!)

2. BENEFITS OF PORTING YOUR MORTGAGE

✅ Same Rate (NO INCREASE!) – In 2026: 3.2-3.5% Retained!
✅ Faster (No New Credit Assessment) – The Bank Sees: “Trusted Client!”
✅ Lower Notary Fees – Only €500-€1,000 (MUCH CHEAPER!)
✅ Less Legal Complexity – No Mortgage Application!
✅ Stress-Free – The Bank Says YES Quickly!

3. BANK REQUIREMENTS 2026

THE BANK REQUIRES:

☐ New Property Must Be Worth ≥ the Mortgage Amount (At Least Equal!)
☐ Your Income Must Still Cover the Repayments (Affordability Maintained!)
☐ NO Payment Arrears Allowed (Pay on Time!)
☐ An Increase in Property Value Is Welcome (Ideal!)

EXAMPLE:

Old Property Value: €300,000
Mortgage: €200,000
New Property: MINIMUM €200,000 (OR MORE!)
BANK: “Agreed! Mortgage Porting Approved!”

4. PORTING PROCEDURE

TIMELINE:

Buyer Found for Old Property!
Call the Notary! (Mortgage Transfer Preparation!)
Notary Contacts the Bank! (Obtaining Approval!)
New Property Purchased! (Here We Go!)
Mortgage Transferred! (Done!)

TOTAL TIMELINE: 3-4 Weeks (FAST!)

5. PORTING COSTS

Cost Item	Amount
Notary (Transfer)	€500-€800
Bank Administration	€0-€300
Mortgage Register Entry	€100-€200
TOTAL	€600-€1,300

VERSUS a New Mortgage:

New Application: €2,500-€4,000! (MUCH MORE EXPENSIVE!)

SAVING: €1,200-€3,400! 🎉

6. CHECKLIST

☐ Ask the BANK in Advance (Agreement to Port?)
☐ Get the New Property VALUED (Check the Value!)
☐ Contact the Notary (Preparation!)
☐ PREPARE the Transfer (Timing!)
☐ Final Step! (Mortgage Registered on New Property!)

THE GOLDEN RULE

PORTING YOUR MORTGAGE = ADVANTAGEOUS & FAST!
ALWAYS CONSULT YOUR NOTARY!
2026 BENEFIT: Keep the Same Low Rate! (3.2-3.5%)