The role of the broker in your mortgage or mortgage
Intermediary in banking operations (often simplified under the acronym IOB), the broker is mandated to find the loan offers most advantageous for you. The broker's mandate can be exclusive when he represents a single bank, or non-exclusive: in the latter case, he can put different financial institutions into competition and offer you several offers. The broker's mission is to study your loan request file in a personalized manner, taking into account all the elements likely to influence the offers made by the banks.
Why go through a broker?
Going through a broker optimizes your chances of benefiting from an advantageous loan offer, and relieves you of the tedious work involved in putting together the financial file. The services of the broker allow you to carry out your real estate project in a more serene way: the broker explains to you in a simple way the complex cogs of the world of finance, saving you at the same time time and worries. Above all, the real estate broker will obtain the best loan rates and the most advantageous insurance for you by putting organizations in competition and defending your interests with them.
How much does a real estate broker in Bordeaux cost?
Subject to an obligation to provide advice, the broker must be remunerated only if you accept one of the loan offers he has obtained for you. In this case, his fees are included in the credit offer: they appear either in the form of a lump sum (of approximately 1000 euros), or in the form of a percentage of approximately 1% of the total amount of the loan granted. Often in the case of online brokers, this 1% commission is paid by the bank itself.
The best mortgage brokers in Bordeaux
The real estate market in Bordeaux is full of brokers offering their services to borrowers, including many online brokers. Barnes Bordeaux recommends the most reliable and seasoned brokers in the Gironde metropolis.
Artémis Courtage offers tailor-made support with an agency and online presence allowing both direct relationships and rapid communication bias. Two agencies welcome you to Bordeaux, one at 37 cours de Verdun near the Jardin Public, the other at 18 allée d'Orléans in the Quinconces district. The brokers of these agencies negotiate the best rates for their clients with, for example, 10-year loans at 0.45% and 25-year loans at 1.22% obtained in mid-2019. 'Artémis Courtage in Bordeaux are made up of financial advisers from complementary training: banking, legal and economic. Backed by a wealth of experience, brokers at Artémis agencies have forged numerous banking partnerships allowing them to offer you a broad offer and optimize the defense of your interests. The two agencies welcome you from Monday to Friday from 9 a.m., without interruption until 7 p.m. at Les Quinconces and until 7:30 p.m. cours de Verdun.
A benchmark in the real estate brokerage sector, Vousfinancer is present online and throughout France through a network of agencies. In Bordeaux, the Vousfinancer agency is located at 49, cours Xavier Arnozan, between the Jardin Public, Les Quinconces and the Halles Chartrons. The team welcomes you from Monday to Friday from 9:00 a.m. to 12:30 p.m. and from 2:00 p.m. to 7:00 p.m. to support you step by step in your investments and provide you with tailor-made solutions. Vousfinancer also has an agency in Pessac at 10 avenue Jean Jaurès. The agency's two financial advisers put their expertise and experience in the sector in the development of your financing plans and in obtaining the most advantageous loans for your project.