Frequently asked questions

We handle many financings: mortgages, rental investment, loan consolidation, secured loans, SCPI, SCI, lifetime mortgages, consumer credit, vehicles, works, co-owner buy-outs, bridging loans. Describe your project and we will tell you what is realistic.

After we receive your request an adviser contacts you quickly. Time to agreement then depends on how complete your file is and the lenders approached.

No. It gives an order of magnitude for a monthly payment, excluding insurance, fees and guarantees. It is neither a credit offer nor a commitment. The data you enter is not saved or sent.

Yes, depending on the file: there is no legal age limit. Income, assets, deposit and borrower insurance are reviewed. Solutions exist, including over 20 years for some profiles.

Yes, we support clients living abroad who want to buy or finance in France, in French and English.

4 rue Borniol, 06400 Cannes, Monday to Saturday. We also work remotely across France.

There is no universal figure: it depends on the project, the lender and your profile. The deposit often covers notary and guarantee costs. A review of your file tells you what is realistic.

Sometimes yes, depending on your situation (self-employed, civil servant, director, retired…): lenders assess stability and regularity of income, case by case.

It depends on how complete the file is and on the lenders approached. A well-prepared file speeds things up considerably.

It depends on the lender and your profile. A deposit reassures and often covers costs, but each file is reviewed individually.

Lenders generally count part of them, under their criteria. We tell you what is realistic during the review.

Often yes, especially if you own property. The structure depends on the share of each loan and available assets.

It often does by lengthening the term, but the total cost may rise. That is the central point of the review.

Yes, revolving credit is commonly consolidated.

Every situation is different. Contact us and we will look at realistic options, with no promise in advance.

The terms are close and often used interchangeably. Consolidation merges several loans into one; a buyback can concern a single loan.

Yes, but the benefit depends on the current rate, outstanding balance, remaining term and fees.

Yes, this is a common case: a debt-free property can serve as security.

No. Individual owners can use it too; cash-out financing is especially common among professionals.

Because the property is pledged, default can lead to its sale. Check your repayment capacity carefully.

Yes, under conditions, after the lender reviews your situation.

No. Neither income nor capital is guaranteed.

Expectations vary by lender; the deposit remains an important element.

Lenders often ask for partner guarantees. Terms can be negotiated and depend on the file.

There is no single legal age: lenders set their own conditions, with an amount linked to age and property value.

The debt is repaid from the estate, notably through sale of the property or repayment by heirs. Discuss it beforehand with your notary.

It depends on your repayment capacity and the type of credit. The homepage simulator gives a first order of magnitude.

Yes, but charges may apply depending on the case and contract. Check the offer’s conditions.

Yes, through purpose-linked credit or a personal loan depending on the case.

Not necessarily: it depends on the offer and your file.

Generally it must be repaid or taken over by one person, under the bank’s conditions: the solution depends on the file.

That of the person keeping the property (and any new co-borrower).

Yes, depending on your situation and the amount. Each file is reviewed individually.

Often yes, especially for large sums or purpose-linked loans.

Not always: some bridges rely on an estimate, others on a sale agreement.

The loan must be repaid or extended under the contract terms: plan for it from the start.

Yes, depending on the file. Lenders look at income, assets, deposit and insurance, not only age.

It can be possible for some profiles: it depends on lender, insurer and file.

The law does not impose it for a mortgage but lenders require it in practice.

The AERAS convention exists to ease access to credit for people with an aggravated health risk.

Sometimes, especially with existing assets or a suitable guarantee. Each file is reviewed individually.

Yes, pensions count as income. Conditions depend on lender and insurer.

Yes, depending on profile and project, with a suitable file.

Lenders often expect a larger deposit from non-residents.

Yes, our team works in French and English.

Yes, by phone, WhatsApp or through our online questionnaire.

Yes, remotely across France.

After two months of silence from receipt of the DIA the town is deemed to have waived and the sale can go ahead.

Yes, in a pre-emption zone and for a general-interest purpose, but it is rare relative to the number of sales.

No, only where the municipality has instituted the right, and some sales are excluded.

Often around three months depending on circumstances, any pre-emption and loan timing.

After a 10-day reflection period from receipt.

HCSF recommendations aim at about 35 % maximum, insurance included, with some flexibility for lenders.

The European standardised information sheet presents the loan’s features in a normalised way.

Often yes in total cost if the term is extended, even if the payment drops.

Consumer, car, revolving, sometimes mortgages, depending on the operation.

Yes, but the debt must then be repaid from the sale price.

The estate: by selling the property or by heirs repaying.

The nominal rate covers interest only; the APR also includes mandatory fees.

It is calculated and published periodically under regulation; the Banque de France publishes it.

Yes, the Lemoine law allows cancellation at any time with equivalent cover.

No, you may pick another insurer if the cover is equivalent.

14 calendar days from acceptance of the offer.

No, no justification is required.

Duties and fees are regulated; only some ancillary costs may vary.

Lenders often require them to be covered by the deposit, but it depends on the file.

Credit payments (insurance included) divided by income.

Some flexibility exists for lenders in certain cases.

No. You can choose an individual contract if its cover is equivalent to what the bank requires, at signing or during the loan.

Depending on the file, yes. We review insurance for people living abroad, including outside Europe, subject to the insurer’s acceptance.

For a private-use property loan, yes since the Lemoine law, provided cover is equivalent.

We review these files. Acceptance depends on the insurer, the profile and the loan.

We review these files case by case; acceptance depends on the insurer.

Often yes, depending on insurer and file; incapacity cover generally requires an occupation, death and TPD are the base.

Depending on current offers and your file, yes, subject to acceptance.

Occupational permanent disability: it covers a disability that prevents you from doing your own job.

It depends on age, term and capital: only a simulation on your file can tell.

To private-use property loans; other credits follow different rules.

The deduction applied to a payout to reflect an item’s age or wear.

Items listed in the policy; valuables are often handled separately.

It depends on the policy.

Yes, with no commitment.

We support you end to end with qualified professionals.

Depending on the size of the property: from under an hour to a few hours.

An adviser contacts you quickly.

Up to €200 a year on electricity and up to €150 on telecoms depending on your situation; these are maximums.

Yes, no fees and no commitment.

It depends on your income, outgoings, deposit and project.

Yes, depending on the file.

No. Each service can be requested separately.

No: it helps locate the vehicle if stolen and can deter thieves.

It depends on the vehicle’s origin and situation. An adviser will tell you during the call.

The fee is given during the call-back, before any commitment.

Yes, it is a normal step: give us the serial number or plate once you have it.

No. Each service can be requested separately.