Larger amounts
The mortgage guarantee gives access to financing above what a consumer loan would allow.
The mortgage cash loan allows you to release liquidity by leveraging your property, without selling it or moving out.
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Your property serves as collateral: a mortgage is registered for the amount of financing granted, determined in particular by the mortgage ratio — the amount to be financed relative to the value of the property.
You then repay the loan by monthly instalments, like a conventional credit, while remaining the full owner of your property.
The mortgage guarantee gives access to financing above what a consumer loan would allow.
Your property is neither sold nor occupied by a third party: you retain full ownership and use.
The liquidity released finances the project of your choice, without justification of fund use in most cases.
Registering a mortgage incurs costs (notarial deed, land registration tax) and, in the event of default, the property given as collateral may be seized. We explain these implications precisely before any commitment.
To build your file, your analyst will send you a personalised list of the documents needed to complete your project.
Copies are sufficient: you do not need to provide originals.
[TO COMPLETE: download link for the document list]
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