BetaA transparent model with no direct fees and zero obligations.
Compare 17 Belgian lenders with the support of an FSMA-registered mortgage broker. Once you've submitted your request, a credit broker will reach out to guide you through your file. You remain free to accept or decline any lender's offer, at no cost.
There are no direct fees charged to you. The lender pays the broker — and only if you sign the credit offer.
To understand our role, it helps to know the three key players: François-Noël Lebrun, the partner brokers and the lenders. François-Noël Lebrun is an FSMA-registered mortgage broker: we centralise your application and compare rates from several lenders in a single simulation. Our fee is paid by the selected lender when the loan is signed — not by you.
François-Noël Lebrun is a mortgage broker officially registered with the FSMA, Belgium's Financial Services and Markets Authority. That registration lets us compare lenders and present their credit products in complete independence, with no allegiance to any single bank. As a credit intermediary, we're bound by the code of conduct in Book VII of the Code of Economic Law: a duty to inform you clearly, act with care and loyalty, and recommend the credit that genuinely fits your situation, not ours.
Partner brokers are independent credit intermediaries, authorized by the FSMA, with whom we collaborate. They analyze your file in detail, support you at every stage, and negotiate the best conditions with lenders. Their expertise covers simple and direct requests as well as more complex situations — refinancing of existing loans, tailor-made setups, atypical profiles. Whatever your situation, they know how to handle it: they are your local point of contact, from building the file to the signature.
Lenders are the organizations that grant the credit. They are often backed by traditional banks but work specifically with brokers rather than directly with the customer. The Belgian market is moving more and more towards this model: traditional banks are reducing their physical presence and no longer have the necessary staff to process all requests.
Comparing on your own versus getting support: what's the difference?
The more lenders you compare, the better your chances of finding the credit best suited to your profile. Three approaches, three levels of market coverage.
You compare a few banks by contacting them by email, one at a time.
You book an appointment with a broker, who compares products from the lenders they know best.
Our platform's calculation engine holds every product from 17 lenders. It selects the ones that match your profile. We then connect you with the partner broker most specialised in the result of your choice.
Everything you want to know about our model.
One simulation, 17 lenders.
Start your simulation free of charge, with no commitment. François-Noël Lebrun and our partner brokers are here to support you if you wish.