End of a tax break, beginning of a new era: how the Belgian mortgage reform is redefining ownership
For years, the tax deductibility of mortgage interest has been one of the cornerstones of Belgium’s wealth-building strategy. Buy a property, take out a loan, deduct the interest — a simple, effective model that encouraged thousands of households to invest in real estate.
But starting from the 2026 tax year (income 2025), things are changing. The federal government has decided to abolish the deductibility of mortgage interest for properties other than the main residence. Second homes, rental properties, investment buildings — all are now affected. A major turning point for the Belgian real estate landscape.
What the reform changes in practice
Until now, the interest paid on a mortgage loan could be partially deducted from taxable income, thus reducing the homeowner’s tax burden.
Starting in 2026, this tax benefit will disappear for properties not occupied by their owners.
Direct consequences:
👉 The real cost of borrowing increases
👉 The net profitability of real estate investments decreases
👉 Traditional wealth strategies lose their appeal
In short, real estate remains a safe asset but it no longer enjoys the same fiscal fuel.
A context calling for a new model
This reform is no coincidence.
It’s part of a broader trend: a fairer, more neutral tax system, less favorable to multiple property ownership.
At the same time, society is evolving:
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New generations favor use over ownership
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Homeowners seek stress-free solutions
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Investors look for flexibility and meaning
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Authorities encourage more rational and sustainable ownership models
The future of ownership: smart, shared, and effortless
That’s where innovative models like OWN18 come into play.
With the end of this tax advantage, a new form of ownership is emerging fractional ownership: smart, optimized, and managed.
OWN18 allows you to access your dream secondary home for a fraction of the price, without the hassles of management or individual taxation.
You no longer own “an entire property” you own a share of a lifestyle, through a transparent, sustainable model aligned with the new fiscal reality.
Turning constraint into opportunity
Where some see the loss of an advantage, OWN18 sees an opportunity to reinvent ownership, share costs, and pool benefits.
Because true luxury today is not about having more, but about having better: better organized, better managed, better lived.
OWN18 embodies this paradigm shift from endured ownership to chosen ownership.
In conclusion
The end of mortgage interest deductibility marks the end of an era, but also the beginning of a new vision — one of ownership that’s more fluid, human, and intelligent.
The future belongs to those who look beyond the property itself, understanding that true value now lies in use, experience, and peace of mind.
And that’s exactly what OWN18 makes possible.