Why use a broker for your mortgage?
A broker consults several lenders on your behalf and defends your application. They negotiate the rate, but also the loan insurance, the guarantee fees and the loan conditions (payment flexibility, early repayment).
As a general rule in France, your total loan repayments, insurance included, must not exceed 35% of your income, and the loan term is limited to 25 years (27 years in some cases, for example for a new-build home). Your adviser builds a financing plan that complies with these rules.
Which projects can be financed?
- Main homePurchase of an existing or new-build property, with or without works.
- Buy-to-let investmentProfitability and financing study.
- Second homeA project to finance without unbalancing your budget.
- Zero-interest loanWe check your eligibility for the PTZ (French 0% loan) and other subsidised loans.
How it works
Mortgage: the steps
- STEP 1
Borrowing capacity
We calculate your budget, including deposit and notary fees.
- STEP 2
Search
We present your application to our partner lenders.
- STEP 3
Negotiation
Rate, insurance, guarantees: we compare and negotiate.
- STEP 4
Signing
You accept the loan offer, then sign at the notary’s.
Good to know
What you need to know before committing
Amounts and terms are indicative, subject to approval of your application by the lender.
- 10-day reflection periodA mortgage offer can only be accepted after a 10-day reflection period.
- Insurance of your choiceYou can choose an insurer other than the bank’s, then switch at any time (Lemoine Act).
- No fees before the loanAny fees we charge are set out in a written mandate and are only due once the funds have been released.
How much deposit do I need for a mortgage?
Lenders often ask for a deposit covering at least the notary and guarantee fees, i.e. around 7 to 8% of the price for an existing property and 2 to 3% for a new build. An application without a deposit may still be possible depending on your profile.
How much can I borrow?
Your borrowing capacity depends on your income, outgoings, the loan term and the rate. As a general rule, all your loan repayments, insurance included, must not exceed 35% of your net income.
How long does it take to get a mortgage?
Allow generally 30 to 60 days between submitting a complete application and receiving the loan offer, then a compulsory 10-day reflection period before accepting it. The loan condition in the preliminary sale agreement protects you during this period.
Our other solutions
Another project to finance?
Personal loan
A sum you can use freely, with fixed monthly payments throughout the term.
Learn more →Car & motorbike loan
New or used vehicle. The loan is cancelled if the sale does not go ahead.
Learn more →Home improvement loan
Renovation, extension, energy upgrades: add value to your home.
Learn more →Debt consolidation
A single monthly payment that fits your budget. A longer term may increase the total cost.
Learn more →Business financing
Start-up, growth, equipment or cash flow for entrepreneurs.
Learn more →A project to finance?
Apply online. An adviser will get back to you within 24 working hours.