You deserve answers.

Hownvestor is a Belgian start-up offering an alternative solution for acquiring your home, by co-investing alongside you in your property.

Behind the concept of Hownvestor are three Belgian entrepreneurs, Laurent Desseille, Thomas Palmblad and Patrick Van Overbroek, accompanied by a multidisciplinary team in finance and real estate.

Hownvestor is currently available for real estate acquisitions in the main cities in Belgium.

Hownvestor earns money on: one-off administrative fees equivalent to 1% of the property value (payable by the customer); rental income based on Hownvestor investment (payable by the customer); refinancing of Hownvestor's ownership share (payable by the buyer); income received from partnerships with real estate professionals (payable by the partners).

Hownvestor is not a bank and certainly not a loan. We help you to get a loan by co-investing with you in your property. We are considered as a real estate investor and not as a finance company, a loan or credit institution.

If you are over 21, based in Belgium, have a job and a proven earning capacity…. In brief, Hownvestor is for people who do not want to wait to become a homeowner and for people who appraise the advantages of becoming owner. Some people also use Hownvestor because they want to keep some cash for a professional, or personal project. However in most of the cases, it is just because they don’t have the necessary savings to match the down payment requested by the banks

There are no alternatives in home financing today other than paying it fully with own savings, or combined with a bank loan. In the latter option, you will have to bring at least 25% of the total acquisition price as a down payment. When you ask people why they are still renting, in 80% of the cases, they will tell that they don’t have the necessary funds to match that down payment. That is where we come into play and that is why people use Hownvestor.

As Hownvestor co-invests with you, we drastically increase your chances of obtaining a loan.

Hownvestor acts as your home equity partner and co-operates with Tier 1 financial institutions in Belgium for the packaging of the mortgage and insurance. Working with Hownvestor is like taking the airport fastlane. We not only do help you to prepare and get your loan, but we also fasten that process as we are in close relationships with partnering financial institutions.

Yes. As mentioned, we operate under a co-ownership model. We take a 25% adjustment on our percentage of ownership. Which means that if we invest 10% of the property price, we will have a 12,5% of ownership in it. But it is your property, you are free to do whatever you want with it, you can refurbish it, rent it, or sell it anytime.

The mark-up is simple and transparent and materializes in an ownership adjustment percentage of 25%. For example, it means that if Hownvestor invests an amount equivalent to 10% of the purchase price, Hownvestor will own 12,5% of the property. The Hownvestor ownership stake can never exceed 30% of the property.

The property exit is always at market price. If necessary, the latter may be set by an independent expert.

All types of properties are generally available, as long as they are individual unit apartments, or houses. Even if we do not co invest into whole buildings, we still invest in secondary properties and investment properties. Because real-estate investment activities are perceived to carry more risk, they are subject to different underwriting criteria than investments in primary residences. To check if your secondary home, or investment property is eligible by Hownvestor, get pre-qualified today.

Nothing is easier. Go on any page of the website, click on the “Become an owner” button and fill out the online form. Provide the proper documents and wait for an answer. It generally takes up to 48 hours to learn if you qualify for our service. Qualifying for Hownvestor doesn’t commit you.

Of course not. With Hownvestor, there are no strings attached and you can always back off anytime at no cost (until we make an offer) if you eventually don’t want to buy the property.

The pre-qualification process generally takes less than 2 minutes. You will then receive an email to further investigate if you are eligible for our service. In that respect, it can take from 24 hours up to 5 working days to have an answer. As fast and simple as that. Please be aware that those timelines could not always be met in the pre-launch phase of the business.

To fully qualify for Hownvestor, you will just have to give tangible evidence of the answers given in the pre-qualification phase. You will therefore need to provide the following documents: - Identification document (ID, proof of residence, etc.) - Financial documents (working contract, salary slips) - Rent documents (rent contract, rent payment track record). The same applies if you want to purchase with another person (husband, wife, etc.)

You can easily refinance it, either through your own savings, or third party financial support, or through a repackaging of your existing mortgage loan, or even through the sale of the property.

You bear the repayment of your loan. Hownvestor, as co-owner, will pay its pro-rata of the insurance and property taxes. Small maintenance and refurbishment costs will be at your expense.

Hownvestor can invest up to € 200,000. Hownvestor’s co-investment will depend on the following: 1. The property (type, location and price); 2. Your personal contribution; 3. Your financial profile.

You will pay a file opening fee equal to 1% of the property price, plus monthly rents during the period of joint ownership. These charges come in addition to your loan instalments. In the event of a buy back between co-owners, the transfer costs, which depend on the region where the property is located, are calculated on the basis of the market value of the property and are payable by the buyer.

Yes, Hownvestor is a strong supporter of home improvements, as long as they add value to your home. As an investment partner, we kindly ask you to inform us prior to starting those. For practical reasons, we will also favor to plan the major refurbishments at the acquisition of the property.

You don't have to live in your property and therefore you can rent it out. However, there are some additional elements to consider when dealing with non-residents which may involve some financial adjustments in the model.

As real estate experts, we know how to improve your home and optimize its value. If you want to discuss that, please contact us at info@Hownvestor.com.

No, we are your real-estate equity partner. However, we work closely with brokers and financial institutions. Do no hesitate to contact us for some advice in that respect.