Renewal

24 months before your finance expires is a good time to start thinking about renewing. Make an appointment with one of our advisers to discuss the opportunities available to you, then put together the documents you need to obtain a finance offer. Putting together a complete file will enable you to be responsive and ready to secure the best mortgage rate in the shortest possible time. Thanks to our partners’ offers, you can reserve a rate up to 24 months in advance.

During the first meeting, your adviser will assess the value of your property and then work with you to take stock of your personal and financial situation. They will also take a look at your pension provision to ensure that your finance is sustainable. Finally, you and your advisor will work out the best financing strategy for you, based on your personal needs and plans. The options open to you at the time of renewal are :
– Maintain, reduce or increase your finance
– Carry out renovation work
– Optimising your tax position
– Acquire a new property
or other projects depending on your personal situation.

Once you have decided on the financing strategy you wish to implement, your advisor will consult the establishments that are in a position to make you the best offer. If necessary, he or she will prepare the insurance offers you need to supplement your insurance cover to ensure that your finance lasts. All you have to do then is choose the finance package and take out the risk cover you feel is right for you.

Your adviser will work with the bank to finalise your new loan agreement, which you will then simply sign. From then on, your adviser will take care of all the administrative formalities until your finance is in place.

If you have opted for a mortgage increase, all that remains is for you to implement them. You know that we’re ready to help you, whether you’re looking for finance for a second home or an investment property, or for all the administrative formalities involved in optimising your tax situation.