Market
Rental agreement in Belgium: required clauses
Written lease, required details, rental deposit, inventory of fixtures, registration and indexation: what the law asks of landlords in Wallonia, Brussels and Flanders.
The Immolytics editorial team
Belgian real estate blog
Analyses, guides and hard numbers to buy, invest, renovate and understand Belgian property taxation.
Sections
44 articles
Taxation
Registration Tax on Your First Home in Belgium
Registration tax on your first home in Belgium: reduced rates, conditions and how Flanders, Brussels and Wallonia differ. Check before you make an offer.
Market
Gifting property in Belgium: rates by region
Gifting a property in Belgium? See how gift tax, registration and energy rules differ by region, and what to arrange before the notary deed.
Market
Life annuity sale in Belgium: viager libre
Viager libre in Belgium: the seller keeps a life annuity, the buyer can occupy at once. Notary deed, regional PEB rules and checks before signing.
Buy
Mortgage rates in Belgium: fixed or variable?
How Belgian lenders set your mortgage rate: fixed or variable, which factors count and how to compare offers before you sign.
Market
Is Mortgage Life Insurance Mandatory in Belgium?
Mortgage protection insurance is not legally required in Belgium. See what drives the premium, which covers matter and how to pay less on your home loan.
Taxation
Inheritance tax in Belgium: how it works
Inheritance tax in Belgium is regional. How each heir's taxable share is calculated, what the notary files, and how an inherited property is valued.
Renovate
EPC renovation obligation in Flanders
In the Flemish Region, selling a home with a weak energy label can trigger a renovation obligation. That duty attaches to the sale itself and exists only in Flanders; Brussels and Wallonia work with different rules. Below you can read what this means for your purchase, your sale and your budget.
Buy
Property valuation in Belgium: know the value
Property valuation in Belgium: the factors that set a home's value, how to arrange a valuation, and why a free estimate pays off before you sell.
Invest
Investing in France from Belgium: 2026 Tax and Practical Guide
The Franco-Belgian treaty, non-resident taxation, progression reserve and yield calculation: what a Belgian investor must know before buying a rental property in France.
Renovate
EPC Premium in Belgium: Grants Tied to Your Label
No region pays you for a certificate. What the label actually unlocks: renovation grants region by region, and what a good label is worth on resale.
Buy
Valuing an Apartment: Setting the Price in Belgium
Which features drive an apartment's value, how the municipal median price from notarial deeds works, and when a formal valuation becomes necessary.
Renovate
Renovation Subsidies in Flanders: How the Support Works
Flemish renovation support runs through Mijn VerbouwPremie, the EPC label premium and two regional loans. Who can apply for what, and in which order to check a file.
Renovate
What Is the Renovation Obligation in Belgium?
Belgium has no national renovation obligation: Flanders imposes a label after a transfer, Brussels sets dated targets, and Wallonia requires the certificate.
Market
The Best Neighborhoods in Belgium for Families
Discover the most family-friendly municipalities and neighborhoods in Belgium: schools, green spaces, safety, amenities, and accessibility.
Market
Walloon Real Estate Market: Municipality-by-Municipality Analysis
In-depth analysis of the Walloon real estate market: price trends, most and least expensive municipalities, provincial differences, and investment opportunities.
Renovate
EPC Certificate Belgium 2026: Price, Obligations and Steps
Complete guide to the EPC certificate in Belgium in 2026: required for sale and rental, price by region, 10-year validity, sanctions and procedure.
Renovate
Energy Audit Belgium: Price, Process and 2026 Subsidy
What does an energy audit cost in Belgium in 2026? Difference vs EPC, €500 to €1,500, SPW Wallonia subsidy €660, certified experts and report template.
Buy
Co-ownership Charges Belgium: Calculation, Split and Costs 2026
How much do co-ownership charges cost in Belgium? Share calculation (thousandths), €150 to €350 per month, mandatory reserve fund, private vs common split.
Renovate
EPC Definition 2026: A-to-G Labels and Price Impact
Clear definition of Belgian EPC in 2026: A-to-G scale in kWh/m².year, value impact (up to 25%), obligations by region.
Market
Belgian Real Estate Barometer | February 2026
Monthly analysis of the Belgian real estate market: median prices by region, annual changes, rising and falling municipalities. Statbel data Q4 2025.
Taxation
Notary Fees in Belgium: Calculation and Reduction
Understand Belgian notary fees in detail: registration rights, fees, administrative costs. Learn how to reduce them by region.
Renovate
Climate Impact on Belgian Real Estate
How climate change is transforming the Belgian real estate market: flood risks, EPC urgency, price evolution and adaptation strategies for buyers and investors.
Buy
Complete Guide for Expats: Buying Property in Belgium
Everything an expat needs to know about buying property in Belgium: legal steps, financing, regions, hidden costs and practical tips.
Renovate
ROI of Green Renovation in Belgium
What is the return on investment for energy renovation in Belgium? Analysis by work type, with regional subsidies and property value impact.
Invest
Investing in Student Housing in Belgium
Complete guide to student housing investment in Belgium. Best university cities, yields, kot regulations and risk analysis.
Market
The 10 Cheapest Municipalities in Belgium in 2026
Discover the 10 Belgian municipalities with the lowest property prices in 2026. Statbel data, investment potential, and quality of life.
Market
Belgian Real Estate Market Predictions 2026
Analysis of Belgian real estate market predictions for 2026: price evolution, interest rate trends, regional dynamics and investment strategies.
Buy
Buying an Apartment in Brussels: A Neighbourhood-by-Neighbourhood Guide
Complete tour of all 19 Brussels municipalities for buying an apartment: average prices, atmosphere, transport, pros and cons of each neighbourhood.
Invest
How to Calculate Real Estate Investment Returns
Master the key real estate profitability formulas: gross yield, net yield, cash-on-cash return and IRR. Worked examples tailored to the Belgian market.
Renovate
Renovation Grants in Wallonia 2026
Complete guide to renovation grants in Wallonia in 2026: housing premium, housing audit, EPC obligations, amounts and eligibility conditions.
Buy
Buying vs Renting in Belgium: Complete Simulation
Should you buy or rent in Belgium? Detailed simulation with break-even calculation, cost comparison over 5, 10 and 20 years, and tax advantages.
Market
The Flemish Real Estate Market: Trends and Prices
Province-by-province analysis of the Flemish property market in 2026: median prices, hotspots, impact of the 3% reduced rate, and outlook.
Buy
Guide to Mortgages in Belgium
Everything about mortgages in Belgium: fixed vs variable rates, loan-to-value, personal contribution, outstanding balance insurance and NBB rules.
Buy
How to Estimate Your Property's Value
Three property valuation methods explained: comparative, income capitalisation and replacement cost. Online tools and practical advice.
Buy
Mistakes to Avoid When Buying Your First Property
The 10 most common mistakes first-time buyers make in Belgium and how to avoid them. Budget, visits, sales agreement, mortgage: the anti-pitfall guide.
Buy
Co-Ownership in Belgium: Rights, Charges and Regulations
Complete guide to co-ownership in Belgium: 2024 law, syndic's role, general assembly, common charges, reserve fund and co-owners' rights.
Invest
Investing in Student Housing: Returns and Taxation
Complete guide to investing in student housing in Belgium: university cities, yields of 5 to 8%, taxation, rental management and pitfalls to avoid.
Buy
How to Buy Your First Property in Belgium: Complete Guide
Step-by-step guide to buying your first property in Belgium: budget, search, offer, sales agreement, mortgage, and notarial deed.
Renovate
EPC: Everything You Need to Know About Energy Certificates
Complete guide to the EPC certificate in Belgium: labels A to G, price impact, regional obligations, tips to improve scores, and available grants.
Market
Belgian Real Estate Prices 2026: Review and Trends
Complete analysis of Belgian real estate price evolution in 2026: regional differences, interest rate impact, and most dynamic municipalities.
Invest
Investing in Rental Property: Yield and Taxation
Complete guide to rental property investment in Belgium: gross and net yield calculation, rental income taxation, and best cities to invest.
Market
Brussels vs Suburbs: Where to Buy in 2026?
Detailed comparison between Brussels and its suburbs: prices, quality of life, transport, schools, and taxation. Which choice suits your profile?
Renovate
Renovating an Older Property: Costs, Grants, and Profitability
Practical guide to renovating an older property in Belgium: typical costs, regional grants, EPC improvement, and return on investment.