Simplify & Save

Mortgage Credit Consolidation

Combine multiple debts into a single lower mortgage payment

Consolidation Process

5 Steps to Simplified Finances

Strategic debt consolidation with comprehensive savings analysis

Step 1

Complete Debt Analysis

Comprehensive review of all existing debts: consumer loans, car financing, credit cards, personal lines of credit. Calculation of current total monthly payments and interest rates.

1-2 days
Step 2

Consolidation Strategy Development

Assessment of which debts to consolidate, projected new monthly payment, total interest savings, and break-even timeline. Comparison of consolidation vs. keeping separate loans.

2-3 days
Step 3

Early Repayment Negotiation

Negotiation with existing lenders regarding early repayment penalties. Calculation of net savings after accounting for all consolidation costs and penalties.

3-5 days
Step 4

Consolidated Loan Assembly

Preparation of new mortgage application including debt payoff amounts. Coordination to ensure seamless transition from multiple loans to single consolidated mortgage.

5-7 days
Step 5

Debt Payoff & New Loan Activation

Disbursement of new mortgage funds to pay off all consolidated debts. Verification that all old accounts are closed and new single payment is activated.

At closing

Ready to reduce your monthly payments?

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FAQ

Debt Consolidation Questions

Understanding mortgage-based debt consolidation in Belgium

Debt Consolidation

Simplify Your Finances

Tell us about your current debts and we'll show you the savings.

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€200,000
20 ans
Fixed rate4.4%
Revisable 10/5/54.4%
Revisable 5/5/54.45%

Your selection

  • ServiceCredit Broker
  • ProductMortgage Loan · Credit consolidation
  • Amount€200,000
  • Duration20 years
  • RateFixed rate
Monthly payment€1,292.45
  • TAEG4.75%
  • Total cost€310,187.34
  • Interest€110,187.34

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