Angers
First purchase as a couple
Couple, one on probation
File presented with the employer's letter confirming the end of probation and twelve months of regular savings.
Loan granted over 25 years, zero-rate loan included
Local edition · Home loans
Before you sign, the figures. All of them.
Rental investment or renegotiation: we calculate the full cost, the fees and the break-even date before advising anything. If the operation is not worth it, we say so.
Request the calculation
A renegotiation carries costs: early repayment penalties, guarantee, file fees. We put them in front of the remaining interest, line by line.
For a rental, banks only count part of the rent. We tell you which share, bank by bank, and what it changes for your next project.
We compare and negotiate; the bank decides. Nobody can honestly promise you a rate or a date before your file has been studied.
Our rates board
First purchase
€1,500, paid at the notary only if the loan is granted
Your first home, alone or as a couple: what you can borrow, the zero-rate loan if you are eligible, and a file that reassures the bank.
First-time buyers, alone or as a couple
Sale and purchase, bridging loan
€2,000, paid at the notary only if the loan is granted
Buy the next home before selling the current one: the bridging loan explained, with what happens if the sale takes longer.
Owners who buy before selling
Buy-to-let investment
1% of the loan, minimum €1,500, paid at the notary
A flat to rent out: the loan, the rental income the bank takes into account, and the impact on your borrowing capacity.
Investors, first rental or further one
Renegotiation and loan buy-back
€1,200, paid only if the operation is carried out
Your loan is running: we check whether renegotiating it with your bank, or moving it to another one, is worth the costs.
Owners with a loan already running
Land and new build
€1,800, paid at the notary only if the loan is granted
A plot and a house built by a builder: funds released step by step, in line with the stages of the work.
Households building their home
Loan insurance
Study free of charge
The insurance of your loan can be chosen freely and changed at any time: we compare it with the bank's.
Every borrower, new loan or running one
Fees stated in the mandate. No interest rate is displayed: it depends on your file.
See every type of projectWhat frames our work
No payment of any kind may be required from a private individual before one or more loans have been obtained.
In brief
Real situations, described without names. Every file is different: these are not promises.
Saumur
Self-employed buyer
Craftsman, 3 years of balance sheets
Two banks had refused directly. File rebuilt around the last three balance sheets and the order book.
Loan granted after the third bank
Cholet
Buy before selling
Retired couple
House found before the flat was sold. Bridging loan sized on 70% of the agent's valuation.
Bridging loan over 12 months, repaid after 5
Angers
Renegotiation
Owner, loan taken in 2023
Calculation of penalties and fees against the remaining interest, then renegotiation with the same bank.
Lower monthly payment, same duration
Nantes
Second rental flat
Employee, one loan running
Rent estimate from an agent, existing loan presented with its remaining duration.
Loan granted with a 10% deposit
Tours
Change of loan insurance
Couple, loan of 2021
Equivalent cover found with another insurer, change request accepted by the bank.
Insurance changed during the loan
From the first meeting to the notary
1
The first meeting
Free, at the agency or by video: your project, your income, your savings, and what you could borrow.
2
The file and the mandate
We list the documents to gather, check them with you and sign the mandate that states our fees.
3
The banks
We present your file to several banks and negotiate the rate, the insurance, the fees and the flexibility clauses.
4
The offer
We compare the proposals with you, then the bank issues its offer. Ten days of reflection before accepting.
5
The notary
The funds are released at the signing. Our fees are due only then.
Readers write
"Self-employed for three years, two banks had said no on their own. The broker rebuilt the file around my balance sheets."
"Our first purchase, with a small deposit and one of us still on probation. They told us which documents would reassure the bank, and they were right."
"We had to buy before selling. The bridging loan was explained clearly, with what would happen if the sale took longer."
Ask for your free study
Tell us about the project, the amount and your deposit. We call you back to set the first meeting, at the agency or by video.
Rather talk now? 01 23 45 67 89
A loan commits you and must be repaid. Check that you can afford the repayments before you commit.