Credit broker in Nogent-sur-Marne: mortgages and business loans
A credit broker supports borrowers in preparing and presenting their financing project to lenders: analysing the need, putting the file together, introducing it to lenders and reviewing the offers received.
- Mortgage loans
- Business loans
- Loan consolidation
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A loan is a commitment
- A loan commits you and must be repaid.
- Check your ability to repay before committing.
- No financing is guaranteed: the decision rests with the lender.
The broker’s role in a loan project
A credit broker acts as an intermediary between the borrower and lenders, under a mandate entrusted to them. The broker helps present the project, gather the documents needed and structure the financing file. For a purchase, a mortgage loan lets you assess the feasibility of your project according to your financial situation and assets.
Financing a business follows another logic. A business loan can finance investments, equipment, a development project or other business needs. The broker helps put the file together and presents it to lenders likely to review it, without any approval being guaranteed.
If you have several loans running, loan consolidation or credit buyout can be reviewed to reorganise your repayments. This operation is a new loan: it is assessed in the light of its total cost, its term and your situation. Extending the term can increase the total cost of credit.
Financing often goes with mortgage borrower insurance, which covers certain risks set out in the contract. For a property project, our property insurance page links financing, property insurance and borrower protection. Savings, life insurance and retirement plans serve different goals and can be reviewed alongside.
Credit and financing solutions
Mortgage loan
Financing a purchase, a main residence or a buy-to-let investment, subject to review and approval of the file.
Business loan
Financing business needs: equipment, development, premises, subject to analysis of repayment capacity.
Loan consolidation and credit buyout
Reorganising several existing loans through a new loan, reviewed according to your situation.
Mortgage borrower insurance
Cover for borrower risks (death, disability, incapacity) according to the covers required by the bank.
Savings, life insurance and PER
Savings and retirement planning solutions, separate from credit.
Property insurance
Insurance for the property, the owner and the landlord to combine with your property project.
How a financing review works
Define your project
Property purchase, business investment or consolidation: the need and purpose of the financing are clarified.
Put the file together
Income, expenses, existing loans, deposit and project documents are used to review your situation.
Present the request
Under the mandate entrusted, the file is presented to lenders likely to review it.
Review the offers
Total cost, term, guarantees and insurance are reviewed with you before any commitment.
Present your project to a credit broker
Do you have a property or business project, or want to review a loan consolidation? Send us the relevant information. Every request remains subject to review and approval by the lenders.
Frequently asked questions
What does a credit broker do?
A credit broker helps the borrower put the file together, present the project and get in touch with lenders, under the mandate entrusted to them.
Can a broker guarantee a loan?
No. No financing is guaranteed: approval depends on the review of the file and the lender’s criteria.
What is the difference between a mortgage and a business loan?
A mortgage finances a property project; a business loan meets the needs of a business or company. The criteria and documents reviewed differ.
What is loan consolidation?
It is a new loan that replaces several existing loans. It is assessed according to its total cost, its term and your situation.
Is borrower insurance compulsory?
It is not required by law, but it is generally required by the bank for a mortgage. You can choose a contract other than the bank’s, with equivalent covers.
What should I check before taking out a loan?
A loan commits you and must be repaid. Check your ability to repay, the total cost of the financing and its terms before committing.
Support to structure your financing
The broker helps structure and present your financing request; the decision rests with the lender. A loan commits you and must be repaid: check your ability to repay before committing — Lev Assurances, broker registered with ORIAS no. 24001858, supervised by the ACPR (French Prudential Supervision and Resolution Authority).