Market for Mortgage Brokerage | France

The real estate broker is an intermediary responsible for obtaining the best credit terms for the borrower from the banking institutions. 

In France in 2016, 30% of credits were allocated by brokers, compared to 25% in 2013 and 15% in 2006. Industry experts predict strong growth in the sector and predict that by 2021, brokerage loans will account for 50% of real estate lending. On the other hand, nearly 40% of potential borrowers solicit a broker in order to obtain a mortgage. Credit brokerage offers many advantages for borrowers. It allows them to compare the cost of credit, to renegotiate with their banks by obtaining benefits such as waiving early repayment penalties or guarantees, and to compete. Bank switching no longer seems to be a problem and saving time and money seems to take precedence over loyalty to your agency and advisor. 
 
However, France is not yet at the level of its European neighbours, nor of the world leader, the United States, whose share of brokerage in real estate loans amounts to 70%. The United Kingdom has a 61% share of brokerage in real estate loans, followed by Ireland (56%), the Netherlands (53%), Spain (52%), and Italy (42%). 
 
The real estate loan brokerage profession is very fragmented. The market consists of networks of brokers such as Cafpi or ACE, Internet brokers such as Meilleurtaux and Empruntis as well as a very large number of independent brokers. Brokers can also organize themselves around a franchise system, such as In&Fi, Crédit pro or Immofinances.net. The number of real estate loan brokers is currently estimated at 7,500 in France. On 13 September 2013, the European Parliament adopted a new directive, Basel III, which imposes cost reductions on credit institutions, regulating real estate lending and thus giving a large place to brokers. 

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Market Research: Market for Mortgage Brokerage | France

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CAFPI

  • Country : France
  • Turnover : 72.7 M€ (2012)

Empruntis

  • Country : France
  • Turnover : NC

Meilleurtaux

  • Country : France
  • Turnover : 55 M€ (2012)

AB Courtage

  • Country : France
  • Turnover : 116 700 € (2012)

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