Warning, borrowing money also costs money.
Bring your property project to life with the right financing
Whether you’re buying a house, building, renovating, or optimizing your loans, we put our expertise at your service to support you at every stage of your life project.
Our home financing solutions
From your first purchase to renovation, find the plan that matches your ambition.
Mortgage Loan
The standard solution for financing the purchase or construction of your house or apartment. Become a homeowner with complete peace of mind.
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Finance the acquisition of your primary residence. A common term for a mortgage loan, tailored to your life project.
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Modernize your interior and improve your comfort. Ideal for redoing a kitchen, a bathroom, or for your decoration projects.
Learn more & SimulateMortgage Consolidation
Use your property’s equity to consolidate your loans and debts into a single, lower monthly payment. Get your budget back on track.
Learn more & SimulateYour property project deserves the best experts
We do everything we can to make your dream a reality.
Expert Property Advisors
Our mortgage specialists analyze your situation to offer you the most suitable deal on the market.
Access to Multiple Partners
As brokers, we negotiate for you with numerous financial institutions to find the best rate and conditions.
A to Z Support
From the simulation to the signing of the deed at the notary’s office, we guide you through every step of this important process.
The guide to your home financing
The key steps for a well-prepared property project.
1. Define your budget and your down payment
Before searching for your dream property, accurately assess your borrowing capacity. Consider your income, expenses, and your down payment (personal funds). This is crucial for covering notary fees and reassuring lenders.
2. Understand the loan terms
A mortgage loan is defined by several elements: the interest rate (fixed or variable), the repayment term, and the loan-to-value ratio (the percentage of the property price you are borrowing). Our advisors are here to explain these concepts and find the best combination for you.
3. Prepare your application and the visit to the notary
A solid application is key. Gather your documents (proof of income, sales agreement…). The mortgage process is longer than a personal loan because it concludes with the signing of a credit deed at the notary’s office, at the same time as the deed of sale.
Everything about home loans
The answers to your questions about financing your property.
There’s no fixed rule, but a down payment is highly recommended, if not essential. Ideally, it should cover at least the registration fees and notary fees, which are not usually financed by the mortgage loan.
A larger down payment (e.g., 20% of the purchase price) is a very positive signal for lenders. It can help you get a better interest rate and reduce your monthly payments.
A bridge loan is a short-term financing solution (usually 1 to 2 years) that allows you to buy your new home before you have sold your current one.
It works as an advance on the future sale of your property. You only pay the interest during the loan term. Once your old property is sold, the capital from the sale is used to fully repay the bridge loan. It’s the perfect solution to avoid missing out on a buying opportunity and to avoid moving twice.
The process is longer than for a personal loan. You should generally allow several weeks between the initial simulation and the final signing. Here are the main steps:
- Analysis of your application and approval in principle from the financial institution.
- Property appraisal to confirm its value.
- Issuance of the official loan offer.
- Appointment at the notary’s office for the simultaneous signing of the deed of sale and the credit deed.
It is therefore crucial to anticipate your financing request as soon as you sign a preliminary sales agreement.
Your future home starts here
Get a clear first look at your borrowing capacity with our online simulator. It’s free and non-binding.
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