Mortgage Loan
Finance your real estate projects with a secured mortgage under optimal conditions
Discover our mortgage loan
Do you want to finance a real estate purchase, refinance an existing property, or unlock the value of your assets? A mortgage loan offers you a flexible financing solution guaranteed by your real estate. With our network of specialized financial partners, we offer you the best mortgage loan conditions on the market.
Everything You Need to Know About Mortgage Loans
A mortgage loan is a secured financing that uses your real estate as collateral. This solution allows you to unlock the value of your assets to finance your projects while benefiting from advantageous conditions thanks to the real estate guarantee.
What is a Mortgage Loan?
A mortgage loan is a loan guaranteed by a mortgage on real estate that you already own. It differs from a classic mortgage loan by its flexibility of use.
First Mortgage
When your property is not yet mortgaged, you can establish a first mortgage to secure your loan. This gives you access to the best conditions.
Second Mortgage
If your property is already mortgaged, you can establish a second mortgage for additional financing, subject to the property's debt capacity.
How to Get a Mortgage Loan?
1. Property Evaluation
The first step is to evaluate your real estate and your borrowing capacity.
- • Real estate appraisal by a professional
- • Verification of the property's condition
- • Analysis of location and market
- • Calculation of market value
- • Evaluation of borrowing capacity
2. File Constitution
Gather all the necessary documents for your loan application.
- • Property title
- • Recent proof of income
- • Property insurance
- • Proof of address
3. Notarial Deeds
The notary prepares the deeds necessary for the constitution of the mortgage.
- • Drafting of the mortgage deed
- • Verification of charges and easements
- • Preparation of mortgage registration
- • Calculation of notary fees
- • Planning of the signing
4. Release of Funds
After signing at the notary and mortgage registration, the funds are released according to your needs.
Simulate Your Mortgage Loan
Calculate the amount you can borrow based on the value of your property and your repayment capacity.
Advantages of Mortgage Loans
Mortgage loans offer many advantages thanks to the real estate guarantee that secures the financing.
Enhanced Security
The mortgage guarantee allows you to obtain privileged conditions and reduces risks for the lender.
Flexibility of Use
Unlike a mortgage loan, you are free to use the funds as needed without justification.
Advantageous Rates
Thanks to the real estate guarantee, interest rates are generally more competitive than for other types of loans.
Quick and simple, your loan request in 3 steps
Feel free to do an online simulation to find out more about the repayment installments that could match your repayment capacity.
Asset Evaluation
Appraisal of your real estate and analysis of your borrowing capacity on mortgage guarantee.
Mortgage Constitution
Preparation of notarial deeds and establishment of the mortgage guarantee on your property.
Release of Funds
Final signing at the notary and availability of funds according to your needs.
Frequently asked questions about mortgage loan
Our guarantees for your mortgage loan
Best rates
Thanks to our network of over 100 banking partners, we negotiate the best market conditions for you.
Expertise
Reliable support and solutions adapted to each project.
Personalized support
A dedicated advisor supports you from A to Z in your financing project.