Nova Credit
☎+32 494 87 22 32 Book an appointment
Licensed credit intermediary (FSMA)

Your credit broker.
Independent. Personal.

Nova Credit compares the loan conditions of dozens of banks and lenders for you. One point of contact, no endless paperwork, and advice that serves your interests only. We sell no insurance — loans only.

Nova Credit advisor at the table
30+
banks & lenders
we compare for you

Why Nova Credit

01
Independent
We compare several lenders and are not tied to any single bank.
02
Personal
Guidance from simulation to the notary, with one dedicated point of contact.
03
Loans only
No mandatory insurance. We broker loans only.
04
Transparent
A fast, clear process with no surprises afterwards.
05
Licensed
Credit intermediary licensed by the FSMA.
06
At your home
We also arrange your loan at your home — a house call, at a time that suits you.

Our services

View all credit solutions →
Mortgage loan

Buy, build or renovate your home at the best rate.

Learn more →
Personal loan

For your car, renovation or another project.

Learn more →
Refinancing

Review your current loan and save.

Learn more →
Loans for the self-employed

Tailored to your business and growth plans.

Learn more →

How it works

1
Request a simulation
Online or by phone, free and without obligation.
2
Advisory meeting
We discuss your situation and goals in detail.
3
We compare
Your file with multiple lenders.
4
Signing & follow-up
We guide you through to payout.
Read the full step-by-step plan →
Our partners

We compare and work with a broad network of banks and lenders.

Curious what you could borrow?

Run a free, no-obligation simulation or book an appointment with an advisor right away.

Our services

Our credit solutions

Nova Credit works with a broad network of banks and lenders. That way we find the most advantageous loan formula for every profile, private individual or self-employed.

Mortgage loan

Purchase, new build, renovation or refinancing of your home project, at the sharpest conditions.

Explore the options →
Consumer credit / Personal loan

For your car, a renovation without a mortgage, studies or another personal project.

Explore the options →
Loans for self-employed & entrepreneurs

Investment loans, working capital or business real estate, tailored to your activity.

Explore the options →
Loan consolidation

Merge several running loans to lower your monthly payment and regain overview.

Explore the options →
← All services

Mortgage loan: financing your home project

Taking out a mortgage is one of the biggest financial decisions of your life. Nova Credit examines the conditions at multiple lenders for you — interest rate, fixed or variable formula, term, reinvestment fee — and negotiates on your behalf. That saves you not only time, but often thousands of euros over the full term.

Calculate your mortgage loan
For which home projects?
✓
Purchase loan
Purchase of a house or apartment.
✓
Construction loan
Financing for a new build.
✓
Renovation loan
Renovation and remodelling works.
✓
Refinancing
Review an existing mortgage when rates drop or when consolidating.
Attention: borrowing money also costs money.

For mortgage loans, Nova Credit acts as a sub-agent for JustLoan.

← All services

A personal loan for your project

For smaller amounts over shorter terms we offer personal loans at sharp conditions. We compare the offers of several lenders so you don't have to go from bank to bank yourself.

Car Renovation without a mortgage Studies Other personal expenses
Simulate your personal loan
Attention: borrowing money also costs money.
← All services

Financing tailored to your business

As a self-employed person or entrepreneur you often have specific needs. Nova Credit understands the nature of your business and looks for loan solutions that match your cash flow and growth plans.

Discuss your project
Investment loan
For machinery, equipment or expanding your business.
Working capital
Bridge temporary cash-flow needs and keep your business running.
Business real estate
Purchase or construction of business premises, an office or a practice.
← All services

Several loans? We check whether consolidating pays off

Do you have several running loans? Consolidation can lower your monthly payment and restore overview. We calculate, free of any obligation, whether this is worthwhile in your situation.

Lower monthly payment
One repayment instead of several, often lower per month.
More overview
One lender, one due date, one point of contact.
Request a no-obligation calculation
Attention: borrowing money also costs money.
Loan calculator

Calculate your loan

Get an instant indication of your monthly repayment. Entirely without obligation.

Indicative annual interest rate:
Indicative monthly repayment
Amount borrowed
Total cost of the loan
Total interest
Request a personal proposal

This simulation is indicative and does not constitute a binding offer. The final conditions depend on your personal file and the lender's approval. Attention: borrowing money also costs money.

From simulation to keys in hand

Five clear steps. At every step, a Nova Credit advisor is at your side.

1
Intake
You fill in the simulation or contact us directly.
2
Advisory meeting
A Nova Credit advisor discusses your situation and goals.
3
Comparison
We present your file to multiple lenders.
4
Proposal
You receive a clear overview of the best options.
5
Completion
We guide you through the signing and follow the file up to payout.
Start at step 1: run a simulation

Who is Nova Credit

Nova Credit is an independent credit broker. Unlike a bank agent, we are not tied to a single lender: we compare the offers of several banks to find the best solution for every client. We broker loans only, no insurance — so our advice is entirely focused on your financing needs.

Licence & FSMA status

Nova Credit is licensed as a credit intermediary by the FSMA (Financial Services and Markets Authority) under number 1025.161.623. This licence guarantees that we meet the legal requirements regarding expertise, integrity and professional liability insurance.

Frequently asked questions

Can't find your answer? Feel free to contact us.

A bank agent only sells the loans of his own bank. As an independent credit broker, Nova Credit is not tied to a single lender: we compare the offers of several banks and choose the most advantageous solution together with you.
We discuss this transparently during the first meeting. In many cases we are remunerated by the lender; any costs are always communicated clearly in advance. [Complete with your own fee structure.]
That depends on the type of loan and the completeness of your file. A personal loan can be settled quickly; a mortgage usually takes a few weeks up to the deed at the notary.
Yes. When rates drop or your situation changes, refinancing can be worthwhile. We calculate, without obligation, whether the savings outweigh the costs (such as the reinvestment fee).
Typically: proof of identity, recent pay slips or accounting documents, an overview of running loans and, for real estate, the purchase agreement. You receive a clear checklist in advance.
No. Nova Credit offers loans only and does not broker insurance products. That way our advice stays entirely focused on your financing needs.
That is exactly where a broker adds value: if one lender turns you down, we present your file to other lenders that do consider your profile a match.
Yes. If that's easier for you, we're happy to visit you at home to go through your file and simulation — just let us know when you book your appointment.
☎+32 494 87 22 32 ✉info@novacredit.be 📍Velodroomstraat 4, 8400 Oostende

Get in touch

A question, or ready to get started? Leave us a message or book an appointment right away — we are happy to help. Prefer not to travel? We're also glad to visit you at home.

Office
Velodroomstraat 4, 8400 Oostende
Opening hours
Mon–Fri 9:00–17:30 · Sat by appointment
Home visits
On request, an advisor can also come to you.
Your data is processed in accordance with our privacy policy.

Legal information

This page contains a summary. The full documents are provided on request.

Terms and conditions

The terms and conditions describe Nova Credit's services as a credit intermediary, the mutual rights and obligations, and the method of remuneration. [Complete with your own terms.]

Privacy policy (GDPR)

To process your loan application, Nova Credit processes personal and financial data in accordance with the GDPR. Data is only used to compile and present your file to lenders, and is kept no longer than necessary. You have the right to access, correct and delete your data. [Complete the full policy.]

Complaints procedure

Do you have a complaint? First contact Nova Credit at info@novacredit.be. If your complaint is not resolved to your satisfaction, you can turn to Ombudsfin (Ombudsman for financial disputes), North Gate II, Boulevard du Roi Albert II 8, 1000 Brussels — ombudsman@ombudsfin.be.

Company & FSMA licence

NovaCredit is the trade name of Reymar Invest BV, company number BE 1025.161.623.

Nova Credit is a credit intermediary licensed by the FSMA under number 1025.161.623. Nova Credit offers loans only; no insurance products are offered or brokered.

Attention: borrowing money also costs money.