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Buy out your former partner's share

After a separation, you want to keep the home. You pay the other person their share, the balancing payment, and the partition duty. The calculation shows these amounts, the loan costs and what you will pay each month.

EUR

The value on the day of the division, meaning the price the property would fetch if it were sold. The partition duty is calculated on at least that price.

%

Half in most cases. What each person put in personally is settled with the notary.

EUR
€/month

You take it over alone if the bank agrees to release the other borrower.

Region of the property
You were
EUR

They pay part of the balancing payment and costs, the rest goes through a new loan.

%

Starting point: 3.53%, the average rate on a housing loan fixed for more than ten years in August 2026, according to the National Bank. Replace it with the rate in your offer.

Term of the new loan

Balancing payment to make

€90,000

50% of what the property is worth once the joint loan is deducted.

Partition duty (1% of the property value)
€3,000
Costs of the new loan deed (estimate)
€2,908
Your savings
€10,000
New loan for the payment and costs
€85,908
Monthly payment on the new loan over 20 years
€500
What you will pay each month, joint loan included
€1,200

When you become the sole owner, the partition duty is based on the value of the whole property, not just the share you buy. The notary confirms the rate in force on the day of the deed. Source: Walloon government answer to the Walloon Parliament, 30 March 2026

The notary's fees and costs for the division deed come on top: ask the notary for the amount. The loan deed costs are the estimate from our total cost calculator.

Get the home valued

How the balancing payment is calculated

You start from the value of the property on the day of the division. You deduct what is still owed on the joint loan. The other person gets their share of what is left: that is the balancing payment.

The partition duty is 1% in Brussels and Wallonia. In Flanders, it is 2.5%, or 1% between former spouses and former legal cohabitants under conditions.

To keep the joint loan in your name only, the bank must agree to release the other borrower, through an amendment to the contract. What the FPS Economy says

FAQ

You take the value of the property on the day of the division, deduct what is still owed on the joint loan, then give the other person their share of what is left. What each person put in personally is settled with the notary.
1% of the property value in Brussels and Wallonia. In Flanders, 2.5%, or 1% between former spouses and between former legal cohabitants if the cohabitation lasted at least a year and the division takes place within three years of its end.
No, when you become the sole owner. Joint ownership ends, and the duty is based on the value of the whole property. The Brussels-Capital Region and the Flemish Tax Administration both explain this.
Yes, if the bank agrees to release the other borrower. This is done through an amendment to the contract, with no new loan for that part.