Your mortgage specialist
Our Commitment to You :
If you’re looking for a property in France with a mortgage, then we’re your one-stop specialists. Whether you’re just starting out on your search or have already received your funding, we’ll assist you through the entire processing – saving you lots of time and money.
Our multilingual team speaks English, French and German.
Our values :
Full transparency
We believe that transparency is more than just a word! It’s an ongoing commitment to explain things in detail, to give honest and thoughtful advice, and to ensure you fully understand every decision that will affect your financial situation.
Personal Guidance
We won’t treat you like just a number! As we see our clients as individuals with unique aspirations, everything we do is centred entirely around you and tailored to your dreams, concerns, and financial ambitions.
Unwavering Trust
Our client relationships are all built on trust, which we do our best to earn anew every day. So that we can always deserve your trust and create a strong partnership going forward, you’ll only get from us our honest and reliable expertise.
Absolute Independence
We guarantee that you’ll be free from any banks! We’re not influenced by any external interests, but only committed to you. . Our commitment to you is pure, without conflicts of interest.
We can finance nationals from these countries
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Our services
Feasibility check and mortgage sum
When starting out on any property search, the first step is to determine
how much money you can borrow.
Can you get a mortgage and how high is your debt capacity?
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We will assist you until the mortgage funds are released. It usually takes up to 3 months for the sales’ completion.
Transparent mortgage and insurance brokers
We believe in clarity at every stage of our brokerage process. We’re looking forward to working closely with you so that we can make every decision with your best interests in mind.
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We offer you the best rates for your mortgage and mortgage insurance.
International wealth management
As foreign residents turned French tax residents, our multilingual team offers more than one service – we provide a complete personal experience. We understand your need to get good advice in the English language and we’re here to give this to you.
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Real Estate
- If you have not find a property yet, we can assist you in the search of your dream property in France
- Review of the Internal Rate of Return of your real estate investment
- We can assist you with the ownership scheme (owning the property through a company -SCI, SARL de famille, in joint ownership, furnished accommodation rental)
- We can introduce you to bilingual notaries (Dutch, German, English, Russian) and English speaking accountants
- We can introduce you to specialised currencies exchange specialists if you require to exchange USD, GBP in EUR.
- We can assist you in the set up of your activities in France with the help of corporate lawyers
Financial products
- We choose the best investment vehicles (Assurance-vie, Contrat de capitalisation, Plan Epargne Retraite (PER – retirement pension plan)
- We advice you on the best asset allocation. (Mutual funds, ETF, Stocks, etc )
Tax
- Optimisation of your Income Tax
- Assistance for your tax declaration (rental income, furnished accommodation rental income, SCI, dividends etc)
- Planning your wealth tax (Impôt sur la Fortune Immobilière)
- Succession planning
Your financial goals
are the same as ours.
At Seren, we understand that your financial goals are unique to you. Whether you’re buying your first home in France, creating passive income, or simply preparing for your future, we’re here to guide you and help youachieve them.
Ready to start your financial journey with us?
Make your dream come true
Mortgage and insurance brokerage are fully regulated activities
Although the mortgage business in France (Intermédiaire en opérations de banque et service de paiement) must adhere to monetary and financial laws, insurance brokers must comply with the laws of the Insurance code.
All professional insurance brokers must be registered with the Registre Unique des Intermédiaires en Assurance, Banque et Finance (ORIAS), which certifies that all brokers comply with national regulations, have no criminal record, and have received a formal education in insurance or have work experience in the bank and insurance industry. Additionally, ORIAS registered insurance brokers belong to a professional association and are professionally insured.
Registered with ORIAS under number 19002749, your broker is a business school graduate from the University of Clermont Auvergne (2017) with a master’s degree in Wealth Management.
Your mortgage specialist is registered at the CNCGP (Chambre Nationale des Conseillers en Gestion de Patrimoine).
To stay up-to-date on the latest regulations and products, mortgage specialists are required to pursue continued professional development on an annual basis. As your broker is also AMF certified (Autorité des Marchés Financiers), you can rely on getting the advice on various financial products.
Who do our services cater for?
- Permanent international residents in France looking for a mortgage
- Cross-border nationals interested in properties in Alsace, Lorraine, Pays de Gex, Haute-Savoie
- Germans and Dutch nationals wishing to buy a holiday home in France
- Other European citizens wishing to buy a property in France
- French citizens working abroad (Français de l’étranger) wishing to invest in real estate for their pensions
- Any French citizen with financial questions
FAQ
How can I get a mortgage in France?
- Speak to us first via a video call. We’d like to learn more about your plans.
- You give us power of attorney to act on your behalf.
- We then analyse your supporting documentation and prepare a standard application form.
- We conduct a purchase simulation to compare banks.
- You have 11 days to consider our offers before having to sign the mortgage contract.
- Remaining funding (release of funds) is provided.
Why use a mortgage specialist?
Your mortgage specialist will negotiate on your behalf to get the best terms for your mortgage. But what’s even more important is that an international mortgage specialist also knows exactly how to deal with French banks and what they expect from you to give you a mortgage.
Our multi-lingual team (English, German and French) will help you apply for your mortgage in France.
Why use an international mortgage specialist?
Whether you’re based in Europe or the USA or would simply like to buy a property in France while remaining in your country of work and/or origin (Benelux, Germany, Switzerland), we’re here for you!
Which is the most important criteria to get a mortgage in France?
The more you can personally contribute, the more likely you are to be offered a mortgage from a French bank.
It’s worth remembering that international clients have to fund a personal contribution of at least 25 % (for related costs, such as notary, property and estate agent fees).
Conditions may be easier for French citizens.
Which types of properties does Seren finance?
Holiday homes, buy-to-let, permanent residences, homes under construction, etc.
Can I buy through a limited liability company?
You can obtain a mortgage and purchase a home through an SCI (Société Civile Immobilière) or SARL de Famille company.
Which banks do you work with?
Seren Finance works with various major banks: BNP, Crédit Agricole, LCL, Banque Populaire, Caisse d’Epargne, CIC…
How much will a mortgage specialist cost me?
Because we work fully independently, we don’t receive any commission from the banks.
Our normal fee is 1.5 % (+ VAT) of the mortgage amount, which is only payable if we’re successful. In other words: until your notary receives the mortgage funds, our services won’t cost you a penny.
Do I need an insurance broker?
Your insurance broker will support you by analysing your current policies and finding you the best guarantees. Furthermore, your insurance broker will help you with your financial contracts in France, such as Contrats d’assurance vie (life insurance policies), Contrats de Capitalisation (capital accumulation) and Plan d’Epargne Retraite (pension savings plans).
What will it cost to check my current mortgage insurance?
We usually charge a €100 fee for our brokerage service. In most cases, our customers make huge savings on their mortgage insurance. We’re paid a commission from our insurance partners.
See who else has placed their trust in us
Joanna H.
★★★★★
I have always received great service and fast response times when working with Romain at Ice Finance. He has an excellent level of English which is extremely useful when explaining French law and requirements to me. I highly recommend their services and have used them a few times in the past year.
Jos B.
★★★★★
Although it was very tricky to get, as a foreigner, a post acquisition mortgage, Romain kept on going to reach the goal, although I myself was a bit sceptical, and not always willing to fulfill all demands of the BNP, he kept on being polite and explaining everything very clearly. It ooks us 8 months.
Charlotte V.
★★★★★
Romain Moulin is a remarkable professional: expert, knowledgeable, thorough, smart and personable. He knows the French lending systems in side and out. He fought through set backs and enabled me to secure my dream house. I always felt he was on my side. I recommend him highly.
Andrea B.
★★★★★
Romain a été d’une aide fantastique pour mon mari et moi-Il nous a aidés dans tous les aspects administratifs de l’établissement en tant qu’autoentrepreneurs et nous a également donné des conseils en matière d’investissement. Il est extrêmement réactif et est extrêmement polie et professionnelle!
Marcella V.
★★★★★
Romain Moulin has helped us really well. We just bought our first home in France and the process was totally new for us. We couldn’t have done it without hem. It saves you a lot of stress by knowing someone is helping who understands the procedures and language.
David R.
★★★★★
Romain Moulin is a remarkable professional: expert, knowledgeable, thorough, smart and personable. He knows the French lending systems in side and out. He fought through set backs and enabled me to secure my dream house. I always felt he was on my side. I recommend him highly.