Paris Services & Moving Here Mortgage Brokers

The 7 Best Mortgage Brokers in Paris (2026)

Updated October 2026 · 7 picks

The best mortgage brokers in Paris in 2026 are CAFPI International, one of France's largest brokers with English-speaking non-resident specialists; Pretto, an online broker with a dedicated non-resident team; and French Mortgage Expert (Carte Financement), which has focused on non-residents since 2009. France Home Finance serves international buyers in English.

French banks do lend to foreigners and non-residents, but not all of them, and the terms differ from bank to bank: a bigger deposit, proof of income, life insurance and often a request to move savings to the bank. A broker (courtier) knows which banks take which profiles, and in France a broker cannot be paid until the loan is actually granted.

1. CAFPI International — Paris Rive Gauche (13th)

The international arm of one of France's largest brokers, with English-speaking non-resident specialists.

Specialty Mortgages for non-residents, loan structuring, borrower insuranceBest for Non-resident and international buyers of French property

CAFPI is one of the biggest mortgage brokers in France, and CAFPI International is its service for buyers who live abroad. It offers English-speaking advisers who specialize in non-resident files, a large network of partner lenders and insurers, and remote handling of the whole application.

CAFPI is registered with ORIAS and supervised by the French banking regulator. Its fee is set out in a quote before any work begins.

Good to know: Start the conversation before you make an offer, so you know your budget and can make the offer conditional on financing.

111 avenue de France, 75013 Paris

Google Maps Website

2. Pretto — Faubourg Poissonnière (10th)

An online broker comparing 100-plus banks, with an English-speaking non-resident team.

Specialty Online mortgage brokerage, non-resident loansBest for Residents and non-residents comfortable working online

Pretto is a Paris-based online broker that compares offers from more than 100 partner banks across France. It has a dedicated team for non-residents and foreigners, its brokers speak English, and everything can be done by video call, phone and email.

Nothing is charged upfront; you pay only if you accept a loan, and non-resident files carry a higher fee. It is registered with ORIAS as a banking broker.

Good to know: Use its free English-language mortgage simulator first to see what the banks are likely to lend you.

42 rue de Paradis, 75010 Paris

Google Maps Website

3. French Mortgage Expert (Carte Financement) — Champs-Élysées (8th)

A broker that has specialized in non-residents and French expats since 2009.

Specialty Non-resident mortgages, buy-to-let, leaseback, borrower insuranceBest for Foreign buyers and French expatriates financing from abroad

Carte Financement, which trades in English as French Mortgage Expert, has focused on loans for non-residents and French expatriates since 2009. Files are mostly handled remotely, and its English site covers purchase loans, buy-to-let and leaseback financing, plus non-resident borrower insurance.

It is registered with ORIAS (no. 10058759) and works from offices off the Champs-Élysées.

Good to know: Its English site has guides on non-resident capital gains and insurance; worth reading before your first call.

11 rue Jean Mermoz, 75008 Paris

Google Maps Website

4. France Home Finance — Paris

An English-speaking mortgage and insurance broker linked to the Paris Buyer agency.

Specialty Mortgages and borrower insurance for international buyersBest for International buyers and people moving to France

France Home Finance is a French mortgage and insurance broker for international buyers and people moving to France, and works in English, including on the paperwork. It is the in-house broker of Paris Buyer, an English-speaking Paris agency, which describes it as arranging French mortgages for international clients since 2004.

It suits buyers who want their search and their financing handled by teams that already work together.

Good to know: Ask for its current guide to qualifying rules and rates before you start viewing apartments.

Website

5. Empruntis — Bastille / Ledru-Rollin (11th)

A national broker with several Paris agencies and online applications.

Specialty Mortgages, loan insurance, refinancingBest for Residents and expatriates buying in Paris

Empruntis is one of the established national brokers, with agencies across Paris, including in the 11th, 12th and 20th arrondissements, plus online applications. It also brokers borrower insurance and refinancing.

It publishes guidance for expatriates buying in France and is a solid option for buyers who already live in Paris and want a face-to-face adviser.

Good to know: Ask the agency whether a non-resident specialist will handle your file if you still live abroad.

112 avenue Ledru-Rollin, 75011 Paris

Google Maps Website

6. Meilleurtaux — Europe / Saint-Lazare (8th)

France's best-known rate-comparison broker, with agencies all over Paris.

Specialty Mortgages, borrower insurance, savingsBest for Residents and expatriates buying in France

Meilleurtaux is one of the most recognized mortgage brokers in France, combining an online rate comparison with a network of franchise agencies, several of them in Paris. It publishes guides for expatriates buying property in France.

Its Paris 8 agency near Saint-Lazare is a convenient first meeting for buyers already living in Paris.

Good to know: Agencies are franchises, so experience with non-resident files varies; ask before you commit.

40 rue de Saint-Pétersbourg, 75008 Paris

Google Maps Website

7. Credixia — Porte d'Orléans (14th)

A Paris-region broker since 1999 with a published flat fee for most private clients.

Specialty Mortgages, debt consolidation, business loansBest for Buyers in Paris and Île-de-France, including expatriates

Credixia has been brokering loans in Paris and Île-de-France since 1999, from its headquarters in the 14th and offices around the region. It publishes a single flat broker fee for most private clients, with complex projects quoted separately.

It has published guidance on borrowing as a non-resident and suits buyers who want a local broker with a transparent fee.

Good to know: Its site is in French; ask whether an English-speaking adviser is available if you need one.

35-39 boulevard Romain Rolland, 75014 Paris

Google Maps Website

Frequently asked questions

Can a non-resident get a mortgage in France?

Yes, but fewer banks lend to non-residents and they ask for more. Expect to need a larger deposit than a resident (often in the region of 20–30% for non-residents), solid documented income, and borrower insurance. Banks are generally more comfortable with income in euros, US dollars, sterling or Swiss francs, and many ask you to open an account and bring some savings.

How much does a mortgage broker cost in France?

Fees vary: some brokers charge a percentage of the loan, others a flat fee, and some higher fees for non-resident files. French law forbids a broker from taking any payment before the loan funds are actually released, so you should never pay upfront. Ask for the fee in writing in the broker's mandate.

What are the French lending rules on debt and loan length?

French lenders follow the financial regulator's (HCSF) rules: total monthly debt payments, including insurance, should not exceed 35% of net income, and loans are generally limited to 25 years (27 for some new-build purchases). Banks may make a limited number of exceptions, mostly for main homes.

Is borrower insurance compulsory?

In practice, yes: French banks require death and disability insurance (assurance emprunteur) on a mortgage. You don't have to take the bank's own policy, and since 2022 you can switch insurer at any time. Non-residents and older borrowers may face medical questions and higher premiums, which a broker can shop around.

Are French mortgages fixed or variable?

Most French home loans are fixed for the whole term, which makes repayments predictable. Early repayment penalties are capped by law at the lower of six months' interest or 3% of the capital repaid. Once you have your financing in place, see our guide to Paris real estate agencies.

1. CAFPI International — Paris Rive Gauche (13th)

2. Pretto — Faubourg Poissonnière (10th)

3. French Mortgage Expert (Carte Financement) — Champs-Élysées (8th)

4. France Home Finance — Paris

5. Empruntis — Bastille / Ledru-Rollin (11th)

6. Meilleurtaux — Europe / Saint-Lazare (8th)

7. Credixia — Porte d'Orléans (14th)

Frequently asked questions

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