Rental Guarantee Alternatives in Belgium: How a Surety Can Protect Your Budget Without Blocking Your Money

You finally find the right place… and then you discover you need to provide a rental guarantee equal to 2 or 3 months of rent.
Most tenants accept it immediately, assuming it is the only possible option — even when every euro matters to set up a new home, manage parallel expenses, or rebuild stability.

👉 But there is a legal, secure, and often unknown alternative.

With a rental surety provided through our partner Garantie.be, you do not freeze your savings.
You simply pay 6% of the guaranteed amount per year, and you keep your money available for the things that matter.
Example: for a €2,000 guarantee → around €10 per month.
The approval and certificate are sent directly to the landlord. Fast, digital, straightforward.

The part no one really explains

Everyone talks about blocked accounts.
About immobilised funds.
About advancing a large sum “because that’s how it’s always done.”

But Belgian law also recognises surety via an authorised organisation.
This gives the landlord the same level of protection, while allowing you to keep your cash available during a delicate transition or a fresh start.

💡 It is the kind of option many people only discover when it’s too late.

When does this solution make a real difference?

• When you must move quickly
• When the budget is already stretched by other obligations
• When setting up a new household brings extra costs
• When keeping €2,000–€3,000 available is essential for peace of mind

In real life, having your money accessible can be the difference that helps you settle, organise your new home, or support the people who rely on you.

The key question to ask before signing a lease

“Do you accept a rental guarantee via an authorised surety provider?”

A simple question — but one that can protect your budget at the moment you need it most.

Why we think it's worth looking at it ?

Because we focus on solutions that deliver flexibility, security, and financial breathing room.
Garantie.be offers:
✔ a fully digital process
✔ a legally recognised solution
✔ quick acceptance appreciated by landlords
✔ real financial flexibility for tenants

Legal Notice

The rental surety solution provided via Garantie.be is subject to application review and acceptance. The maximum guarantee amount depends on the region (Wallonia, Brussels, Flanders). The surety does not replace mandatory tenant insurance. SWINZ does not act as distributor or advisor. Full terms, exclusions and conditions are available on the Garantie.be website.

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