How does KBC help you with the energy transition?

At KBC , we’re fully committed to the energy transition. That’s why we help you save energy and make energy-efficient renovations to your home, as well as arrange installation of solar panels and a home battery.

It’s well known that KBC is there to finance and insure your home, but did you know that we can also help you optimise your energy consumption and make energy-efficient renovations to your home?

  1. Optimise your energy consumption and your energy contract
  2. Make energy-efficient renovations to your home or buy a new one
  3. Install solar panels
  4. Install a home battery
  5. Choose the right type of financing for your renovation or home

1. Optimise your energy consumption and your energy contract

KBC Mobile offers tips on how to optimise your energy consumption and choose the best energy contract. This ensures you save money and energy as well as helps you take the first steps towards making your home more energy efficient.

Tip: just tell Kate ‘I want to save energy.’ You can find your digital assistant in the top-right corner of KBC Mobile.

How does KBC help you optimise your energy consumption and find the right energy contract?

2. Make energy-efficient renovations to your home or buy a new one

Optimising your energy consumption and choosing the right energy contract can help a great deal, but ultimately the construction of your home is what makes the difference. That means you should first take care of the essentials such as energy-efficient windows and proper insulation of your roof, walls and floor. You can use KBC Mobile to easily calculate the cost of your renovation work and apply for the right financing. In addition, you can find your dream home with the help of Immoscoop or have your current home valued for free.

How does KBC help you make energy-efficient renovations to your home?

Work out your renovation costs and subsidies with Setle

If you’re planning renovation work, Setle allows you to work out your renovation costs and subsidies free of charge and without any obligation.

Get a quote for your energy-efficient renovation

Save on your energy bills with energy-efficient renovations. Our partner Impact Us Today is on hand to carry out the work.

Your energy dashboard

Answer a few questions about your home and get tailored advice to make your home more energy efficient.

Get your home valued for free

Wondering how much your home is worth? Get your home valued for free.

3. Install solar panels

If you’ve already taken care of your home’s essentials such as proper insulation and energy-efficient windows, then solar panels are a good idea to increase the amount of electricity you generate for yourself.

4. Install a home battery

If you’ve installed solar panels and you have energy-hungry appliances such as a charging station or a heat pump, a home battery could be an effective method to optimise the way you generate and use electricity.

5. Choose the right type of financing for your renovation or home

Energy loan

Building or renovating your home to make it energy-efficient? Go for a KBC Energy Loan and get the benefits.

Renovation loan

  • Make your dream renovations happen
  • Work out your loan at a top-value rate
  • Apply for your loan online (even if you’re not a customer with us)

Mortgage loan

  • Choose the best mortgage loan for your project
  • Run a simple simulation

Want to learn more about financing and insuring your home?

Discounts for energy-efficient homes

At KBC , you can get an additional discount on the interest rate for your new mortgage loan. You can get it right away when purchasing an energy-efficient property. You can also make improvements to your home’s energy efficiency within seven years, which will net you a discount on your interest rate if your renovations improve your home's EPC rating.

Find out more

Flemish renovation loan

If you use a mortgage loan to purchase and renovate a property with a poor energy performance rating and then make that home significantly more energy efficient within five years, you can claim back some or all of the interest on your renovation loan from the Flemish government.

Attention: The Flemish renovation credit is offered if the deed of purchase of the house is signed with the notary on December 31, 2024 at the latest. After that, the Flemish renovation credit with interest subsidy will no longer be offered by the Flemish government.

Find out more

Example 1

  • You buy a property with an EPC rating E or F
  • You use a home loan to purchase and renovate your home
  • You immediately begin renovations to improve your EPC rating
     

Which discounts can you receive?

You can apply for the Flemish renovation loan and get an interest subsidy on the part of your mortgage loan used for the renovations if your EPC rating improves to at least D. You can also get a lower interest rate on your entire mortgage loan if you show KBC you’ve achieved an EPC rating of B or better following your renovation.

Example 2

  • You buy a property with EPC rating B
  • You take out a home loan to purchase and renovate your home
  • You immediately begin renovations to improve your EPC rating
     

Which discounts can you receive?

You immediately receive a discount on the interest rate for your mortgage loan with KBC. You can also get an additional discount on your interest rate if your EPC rating improves to A or better.

Example 3

  • You already have a home and would like to install solar panels or a heat pump
  • You use an energy loan or mortgage loan starting from 12 500 euros
  • You improve your EPC rating and can provide a certificate as proof

Which discounts can you receive?

You receive a top-value rate on your energy loan, and if you’re financing your renovations with a new mortgage loan, you can also get a discount on your mortgage loan’s interest rate if your EPC rating improves to at least a B. You aren’t eligible for the Flemish renovation loan, however, because it only applies to the purchase of a new home.