The big day is here. This evening, it’s finally New Year’s Eve! 🎄✨ In a few hours it will be time to unwrap your presents, but before then you must discover the last sweets of the advent calendar in Lånt adventskalender! After more than three weeks of giving you our tips, today we end with what is probably the best advice we can give you: go through a broker for your mortgage!
What exactly is a broker?
A credit broker is what is known as an Intermediary in Banking and Payment Services (IOBSP). This rather technical name denotes a professional whose role is to connect individuals who want to borrow and organizations that distribute bank loans.
Specifically, a broker will find the best credit offer on the market for you. Pursuing a strictly regulated profession, the latter is particularly bound by the duty to provide advice. He will thus be obliged to treat your request with objectivity and to look after your interests in a reasonable manner. It is therefore a trusted third party whose role is to support you in your access to property credit. With its large network of banking partners, it will also be able to negotiate a contract adapted to your needs.
How can the broker help you in 2023?
So we come to today’s tip. To make your property purchase project a reality thanks to a bank loan, we advise you to use a broker. In addition to negotiating a good interest rate for you, the broker can help you in all your steps and guide you to the best solution for your profile.
As Cécile Roquelaure, director of studies at Empruntis, points out: “ We are not just rate hunters. Often borrowers only think of us for this reason. But a large part of our missions focuses on advice, support, the most effective collection… Today more than ever, in times of tension on prices and on obtaining credit, getting the support of a broker is putting the odds on your side ! “.
As you have probably understood, it is therefore a good way to start a mortgage loan with confidence, while being supported by a professional in the sector. For you it is:
- provides objective advice;
- formalize your loan application;
- highlights your file’s qualities;
- builds a customized financing plan;
- negotiate your interest rate;
- accompany you until the funds are released.
Do not hesitate to contact us for more information. In the meantime, we wish you a Happy New Year’s Eve, and above all, very nice closing party 🎅 !
Take advantage of our expertise at the best price!
from 2.00% over 15 years(1)