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Insurance for Keyhome

Is an outstanding balance insurance mandatory?

Yes, an outstanding balance insurance is mandatory to have a mortgage loan at Keytrade Bank. We have selected Cardif as a preferred partner because of their highly competitive offer, but you are free to choose the insurer of your choice. This will not affect your interest rate. In some exceptional cases, it is possible to contract a mortgage loan without an outstanding balance insurance. In this case please contact us by email at

Can I choose another insurer than the preferred partners of Keytrade Bank?

Keytrade Bank has the best insurance partners that are now on the market, Cardif and Ethias, but you are free to choose the insurer of your choice. If you choose another insurance company than Cardif for the outstanding balance insurance, you will have to respect the outstanding balance insurance repartition between the borrowers requested by Keytrade Bank (mentioned on your offer). It is necessary to have both the fire insurance and the outstanding balance insurance before going to the notary.

Is it possible to make a split among the borrowers for the outstanding balance insurance?

The minimum coverage of your outstanding balance insurance for each borrower will be decided together with your mortgage request. The final decision will be mentioned on your offer.