You can borrow up to €60,000 inexpensively via my Renovation Loan: but how far can you get with this amount in your renovation? | My guide

“It takes a lot of work,” says Geert Flipts, communications director at the Flemish Energy and Climate Agency (VEKA). “Renovating the roof, walls and floors, working on windows and doors, plumbing and electrical, interior refurbishment, heat pump (boiler), solar boiler, solar panels: you name it.”

The quickest way to an energy efficient home? You must go this route.

Not quite, as it turns out. Phillips: “You have to be in the lower or middle income group My renewal premium Belong, which is another aid measure. You must move your residence to the relevant home within 36 months. You usually borrow the full invoice amount, based on quotes, although it is limited to €7,500 (excluding VAT) for plumbing and electricity, €5,000 (excluding VAT) for interior renovation, and €60,000 overall.

Financial support from parents (grandparents) or friends: How much money do we get to buy a house?

“It's hard to say,” admits Geert Flipts. “A lot depends on the size of your house. Are you more likely to be doing small renovations, or are you doing large renovations in terms of energy? Obviously it costs a lot more to install a whole new roof, compared to a good asbestos-free roof, which you only have to insulate.”

“In many older homes, we simply cannot insulate the roof from the inside, because there is no vapor barrier on the outside, for example,” says architect Katie Lammens. “So the entire roof covering must be removed and a new roof installed in its place. Or we put a mast roof over the roof.” “If you had to do that, it would suddenly cost you €30,000 to replace your roof.”

“And let's say you have a house without central heating, and you first want to do something about it with one Heat pump, along with your roof. After that, you can only install it if you first open the floor, insulate it and provide it with underfloor heating. This also costs 30,000 euros.”

“Do you still want to treat your facades? The cost of quickly replacing all the windows in a single-family house is €30,000. And then your facades are not yet insulated: from €5,000 if you can insulate in the cavity, to €15-20,000 if you insulate from Outside using the cheapest option: Crepe.

know more? Lamens offers a concrete step-by-step plan: “That's how you set priorities.”

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“I'm afraid that if you want or need to treat the entire structure of your house – the roof, the floor and the external walls – you won't get there with €60,000,” says Katie Lammens. “One or two interventions should work. So your roof and floor will probably have new heating, but not your roof, floor and facades. So it's about making the right choice, with the right priorities.” We are developing a master plan for this purposewith all necessary energy saving measures in the correct order, as required first.

Would you not be able to achieve the mandatory EPC grade D for €60,000, which you must achieve within five years if you become the owner of a house with grade E or F in Flanders today? “Every situation is different,” Geert Flipts concludes. “You can usually achieve an EPC D grade on a limited budget. You often have to replace the boiler or roof insulation. But again: think more now; Towards naming a. This way your home will retain its value in the coming years and you will help the climate. With €60,000, you can usually carry out a significant portion of the energy regeneration of EPC A tag.”

If Fleming received €25,000, 1 in 4 would choose this active intervention

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