Achieve Your Real Estate Projects with Confidence
Purchase, renovation, or mortgage loans — tailored financing solutions for every stage of your real estate journey.
Find the Right Loan for Your Project
Whether you want to buy, renovate, or borrow against your property's value, we have the right solution.
Home Purchase
Finance your primary or secondary residence, or buy-to-let property. Benefit from a 2.90% fixed rate and flexible repayment terms up to 25 years.
Renovation & Home Improvements
Improve, renovate, or extend your property. From energy insulation to kitchen upgrades, we finance all works to increase your property's value.
Mortgage Equity Loan
Unlock the value of your existing real estate assets to finance major projects. Advantageous terms secured by your property.
Why Choose VIVIERA FINANCE?
Tangible benefits that make a difference for your real estate project.
100% Secure
Your data and transactions are protected by bank-level encryption. Your security is our top priority.
Guaranteed Fixed Rate
A 2.90% fixed rate for the entire loan term. No surprises, your monthly payments stay the same.
48h Response
Receive a decision in principle within 48 hours of submitting your complete file.
Remote Signing
Finalize your contract from home via secure e-signature, no travel required.
Dedicated Advisor
An expert will personally guide you through every step, from application to payout.
Zero Hidden Fees
The granted amount is paid in full. All costs are included in your monthly payments.
How to Get Your Credit?
A quick 4-step journey to finance your real estate project.
Submit Your Application
Fill out the online form in a few minutes with your details and project info.
File Review
Our experts analyze your profile and evaluate your project within 48 hours.
Tailored Offer
Receive a personalized proposal with rate, term, and monthly installments.
Receive your funds
Sign your contract and receive funds directly in your bank account.
Credit Open to Everyone
At VIVIERA FINANCE, we believe everyone deserves the chance to achieve their real estate goals.
At least 18 years old
The applicant must be of legal age at the time of the credit application.
Stable Income
Employees, self-employed, retirees — all income sources are considered.
Valid Identification
Valid ID card, passport, or residence permit.
Defined Real Estate Project
Purchase, renovation, or asset-backed financing — tell us about your project.
Good to Know
Ownership Rights
During the loan term, no changes to the property's ownership rights can be made without VIVIERA FINANCE's written consent.
Required Documents
A title deed or sales agreement must be provided within 30 days of signing.
Early Repayment
You can repay early at any time, paying only the interest for the actual duration.
Continuous Support
In case of difficulty or questions, contact us at +32480210071.
Frequently Asked Questions
You will need to provide a valid ID, proof of income, recent bank statements, and property-related documents.
No. The review of your file and the offer preparation are entirely free. The full amount is paid into your account without any deductions.
Yes. We offer secure electronic signatures, allowing you to finalize your file from home.
No. The full amount is paid into your account. All costs are included in your installments.
Contact us at +32480210071 as soon as possible. Every situation is evaluated individually. Solutions such as deferment or loan restructuring may be offered.
Le bien financé ne peut être vendu sans accord écrit de VIVIERA FINANCE. Si un tel besoin se présente, adressez-nous une demande motivée. Chaque cas est étudié individuellement.
Oui. Vous pouvez rembourser en totalité ou partiellement à tout moment. Vous ne payez les intérêts que pour la durée effective d'utilisation du prêt.
Elle n'est pas légalement obligatoire, mais fortement recommandée. Elle vous protège en cas de décès, d'invalidité ou de perte d'emploi. Vous êtes libre de choisir votre assureur.
Après la signature, les fonds sont généralement débloqués sous 48h ouvrées. Pour des travaux, le déblocage s'effectue en plusieurs tranches selon l'avancement du chantier.
Ready to achieve your real estate project?
Submit your application online. Our team will get back to you within 48 hours with a 2.90% fixed-rate offer.