More and more French people are using a broker to find a mortgage at a preferential rate. In the midst of the many brokerage offers, choosing the broker who will allow you to benefit from the best mortgage opportunity is not an easy task. At lesferrets, we help you see things more clearly.
What are the different types of mortgage broker?
The real estate brokerage profession is divided into three main categories.
- Networks of brokers : professionals working within these networks support borrowers in their search for a mortgage. Among these networks, we can count companies like Cafpi, ACE…
- Brokers on the internet : these are generally sites dedicated to the comparison of real estate loans such as lesfurets.
- Many independent brokers : like the networks of brokers, the dimension of support for borrowers in their approach is particularly present.
What is the best credit broker?
Before knowing which professional to turn to, it is interesting to know what a broker is and what his job consists of. The broker is a person who will position himself as an intermediary between you and the financing organizations or the insurance companies. His role will be to advise you , accompany you and negotiate the most interesting offers for you.
The mortgage broker will help you find the mortgage loan adapted to your profile. He will try to stick to your requirements as much as possible with regard to monthly payments, rates and guarantees.
The insurance broker will do the same advisory work but with the insurance. He has an in-depth knowledge of the sector and its developments to be able to find the most relevant contracts according to the client’s profile.
Whatever his field of expertise, the broker must be registered with ORIAS (the organization for the register of insurance intermediaries). His registration number must also be present on all the documents he gives to his clients.
Individuals can check that their broker is well referenced on the ORIAS site and therefore ensure that he is authorized to operate.
Ranking mortgage broker 2023
There are many mortgage brokers in the market. It is therefore difficult to quickly choose the one who will accompany you in your project.
You can, of course, ask your relatives if they have a broker to recommend and with whom they have had a good experience. But if not, we advise you to use Google to find broker reviews .
The more there are, the more testimonials you will have to compare and find the best real estate broker for your project.
Below you will find a selection of real estate brokers that have good ratings based on the reviews that users have left on Google.
| Real estate brokers | Rating on Google |
| LCF | 4,9/5 (167 avis) |
| Cafpi | 4,8/5 (145 avis) |
| Artemis Brokerage | 4,8/5 (1089 avis) |
| Hellopret | 4,9/5 (1665 avis) |
| Pretto | 4,6/5 (2977 avis) |
| I believed | 4,6/5 (687 avis) |
| Loans | 4,5/5 (520 avis) |
| Better rates | 4,4/5 (85 avis) |
| finance you | 4,4/5 (21 avis) |
| MonEmprunt | 4,7/5 (240 avis) |
The best brokers are with lesfurets: take advantage of the support of LCF and IN&FI Crédits to help you with your real estate project.
Home loan: what is the ranking of the best brokers?
Based on the study of three financing files for a real estate transaction, the magazine “60 Millions de Consommateurs” has produced a ranking of the various brokers in 2018.
- A 30-year-old couple with 40,000 euros in net income per year . The thirties want to buy an apartment for €230,000, excluding notary fees. They want to make a loan of €230,000 over 25 years.
| Courtiers | Annual percentage rate, insurance included |
| Better rates | 1,57% |
| I believed | 1,67% |
| YouFinance | 2,01% |
| Loans | 2,01% |
* Source: 60 Million Consumers
- A 40-year-old couple with 45,000 euros in net income per year . The forty-something couple buys a house for 350,000 euros, with 120,000 euros of personal contribution. They want to borrow 230,000 euros over 20 years.
| Courtiers | Annual percentage rate (APR), insurance included |
| Better rates | 1,40% |
| I believed | 1,46% |
| YouFinance | 1,76% |
| Loans | 1,81% |
* Source: 60 Million Consumers
- A 62-year-old couple with 60,000 euros in net income per year . He wishes to buy a property of 350,000 euros with 120,000 euros of personal contribution. To carry out their real estate project, the couple plans to borrow 230,000 euros over 15 years.
| Courtiers | Annual percentage rate (APR), insurance included |
| Better rates | 1,78% |
| I believed | 2,01% |
| YouFinance | 2,22% |
| Loans | 2,32% |
* Source: 60 Million Consumers
Best real estate broker: what criteria should be used to choose?
- The best real estate broker is licensed
The approval of the broker is a guarantee of seriousness. A licensed broker must have a level 1 diploma through the Intermediary in Banking Operations and Payment Solutions (IOBSP). Intermediaries in the banking sector such as real estate brokers must be in possession of this certificate.
To exercise a brokerage activity, the broker must be registered with ORIAS (Organism for the Register of Insurance Intermediaries).
- The best real estate broker has a good network
While some prefer to work with a single bank, others favor partnerships with several banks. Whatever the broker’s working method, he must inform the borrower.
- The best real estate broker is transparent
Before undertaking the search for the best real estate loan opportunity for the borrower, the broker establishes a mandate . On this document appears the amount of brokerage fees , the list of partner banking establishments with their contact details, information on any conflicts of interest between the broker and the banking establishments. The remuneration of the partner bank received by the broker following the obtaining of the mortgage must be mentioned in the mandate.
How to find the best real estate broker near you?
Whether you live in Paris, Nice or Marseille, the services of a real estate loan broker are accessible everywhere in France. To select the best broker near your home or place of work, you can follow these steps:
- Do not hesitate to ask your friends or family if they went through a broker to find their mortgage. If the experience has been positive, you can follow the recommendation of your relatives and contact the brokerage professional.
- Check user reviews . By typing the name of your broker on the web, you can read testimonials from different clients.
Home loan: find your broker with lesfurets
Now that you know the selection criteria, you can compete with brokers to find the best whether you are buying together or alone. By completing the form available with lesfurets, you can compare the different brokerage offers and select the best broker in just a few clicks. He will accompany you in the realization of your real estate project at the best price.
There are plenty of good reasons to find the best broker via lesfurets. Our service is free, fast, without obligation, accessible 24/7, independent and impartial.
