Warning: borrowing money also costs money.
Buying, building or renovating a property is often the biggest financial project of a lifetime. A few tenths of a percent on the interest rate represent thousands of euros over the life of the loan. Comparing banks is therefore essential.
LC Credins, a credit intermediary, presents your file to several lenders and negotiates the best terms for you in rate, duration and fees.
What this solution covers
- Purchase of your own home or an investment property
- Construction and land purchase
- Renovation and energy-saving works
- Refinancing or takeover of an existing loan
- Fixed, variable or semi-variable interest rate
- Advice on outstanding balance insurance and home insurance
Who is it for?
We support first-time buyers, families who are moving, property investors, and self-employed people whose income can sometimes be harder to present to banks.
How we compare offers
As an independent digital broker, LC Credins is not tied to any insurer. For your mortgage loan, we put several offers side by side and compare them on objective criteria: scope of cover, insured amounts, deductibles, exclusions, waiting periods, claim-handling quality and total cost over time. You receive a simple, jargon-free summary with our reasoned recommendation. Our goal is twofold: to save you time and to help you achieve a real saving, without sacrificing the quality of your cover.
The process, step by step
1. Your request online
You fill in our quote form in a few minutes and attach your ID card and, if possible, your tax assessment notice (avertissement-extrait de rôle) or your balance sheet. No appointment is needed: everything is done online, at your own pace.
2. Analysis of your situation
An LC Credins advisor reviews your file, checks your actual needs, and contacts you if any information is missing. We only propose what is genuinely useful to you.
3. Comparing the offers
We approach several partner insurers and institutions, then compare cover, deductibles, exclusions and total cost — not just the advertised premium.
4. Signing and follow-up
You receive a clear recommendation, usually within 24 business hours. After signing, we remain your single point of contact for changes and claims.
Frequently asked questions
How much personal contribution should I plan for?
Banks generally ask you to cover at least the costs (registration duties, notary fees) with your own funds, and often 10% of the purchase price as well.
Why do you ask for the tax assessment notice?
This tax document proves your income and allows banks to assess your repayment capacity.
Fixed or variable rate?
A fixed rate offers total security, while a variable rate can be cheaper at the start. We simulate both scenarios for you.
Is it costly to go through a broker?
Our analysis and comparison are free for you. We are paid by the financial institution selected.
How long does it take to get a loan?
Expect on average two to four weeks between a complete file and the loan offer.
Warning: borrowing money also costs money.
Ready to save?
Free, no-obligation quote, reply within 24 business hours.