Looking for a mortgage broker in Cannes to finance an apartment on the Croisette, a villa in La Californie or a second home in Le Suquet? I am Audrey Hurelle, an independent mortgage broker on the Côte d'Azur. I help first-time buyers, investors and international buyers secure the best finance for their Cannes purchase, with genuinely personal support.
The property market in Cannes
Average property prices in Cannes are around €6,900 per square metre, with considerable differences: from €4,500/m² in Ranguin to as much as €20,000/m² on the Croisette. Each neighbourhood calls for a different lending strategy.
Cannes is a two-tier market: ultra-premium on the Croisette and in La Californie, more accessible in La Bocca and Ranguin. Banks' appetite varies by area.
The Festival and conferences generate very strong holiday rental demand, making furnished investment under short-term LMNP particularly profitable in Cannes.
There are many international buyers: I work in French and English with banks that finance non-residents.
My speciality in Cannes: second homes and holiday rentals
Most purchases I finance in Cannes are not main homes. They are occasional-use apartments, second homes and short-term furnished rental investments supported by demand from the Festival and conferences.
These purchases follow different lending rules: higher deposit requirements, only part of the rental income counted and a choice between LMNP (France's non-professional furnished letting status) and unfurnished letting. I clarify these points during the discovery call so you know exactly what can be financed.
The neighbourhoods of Cannes where I work
Croisette & Palm Beach
A premium market (€10,000–€20,000/m²). Wealth-focused financing and private banks, often combining a main home purchase with balanced repayments across existing loans. I structure these applications.
La Californie
High-end villas and spacious apartments. Banks assess floor area, land and the DPE (energy performance rating): I select those that recognise the property's value.
Le Suquet & Centre-ville
Provençal character, often in older apartments. More accessible prices (€5,500–€7,500/m²), ideal for a first purchase or holiday rental investment.
La Bocca & Ranguin
More affordable residential neighbourhoods (€4,500–€5,500/m²), ideal for first-time buyers. Values are rising with the arrival of the BHNS (bus rapid transit service).
New developments (Cannes-Marina, station area)
VEFA (off-plan purchases) and PTZ (the French zero-interest first-time-buyer loan) opportunities for first-time buyers purchasing a main home. I negotiate fund releases and associated fees.
Prado-République & Carnot
Lively neighbourhoods near the centre and station, offering family apartments at more reasonable prices (€5,000–€6,500/m²). A good balance for a main home in Cannes.
Montfleury & Croix-des-Gardes
Residences with views and green spaces, popular with families and international buyers. Banks readily finance both main and second homes here.
How I support your purchase in Cannes
1. Free discovery call (30 minutes)
We discuss your purchase in Cannes, your circumstances and timing.
2. Financial review and strategy
I select the 3–5 banks best suited to your circumstances and chosen neighbourhood.
3. Negotiation
I negotiate rates, insurance, arrangement fees and terms.
4. Support through to completion
I support you through signing the final deed with the notaire (the French conveyancing notary) and the release of funds.
Why choose me as your broker in Cannes
- ✓ Detailed knowledge of the Cannes market: Croisette, La Californie, Le Suquet and La Bocca
- ✓ Direct contacts at bank branches and private banks
- ✓ Specialist support for the international and non-resident buyers so common in Cannes
- ✓ Expertise in short-term LMNP for holiday rental investments
- ✓ Fees payable only when your loan is secured and accepted
Free discovery call · 30 min
Book a free call with Audrey about your French mortgage
In English, by video. Reply within 24 business hours. No obligation.
FAQ — Mortgage broker in Cannes
- The discovery call and financial review are free. My fee is 2% of the amount borrowed, with a €4,500 minimum, payable only when you sign and accept the loan.
- At least 10%. On the Croisette and in La Californie, a deposit of 20–30% makes your application considerably stronger with private banks.
- Yes. Cannes is in zone B1, making a new-build main home eligible for a PTZ, subject to income limits.
- Yes. It is one of France's most profitable holiday rental markets. I select banks that accept this type of financing.
- Yes, this is one of my specialities. I work in French and English with banks that finance non-residents.
- Yes, or by video call if you prefer.
- Only partly. Most banks count 60–70% of projected rents, sometimes less for short-term letting. I provide a realistic estimate supported by local comparisons so your rental income receives the strongest possible assessment.
- Yes, if your debt-to-income ratio allows for both mortgages. I calculate your remaining borrowing capacity precisely and, if needed, propose consolidating loans or extending the term to make the purchase work.
- They strengthen rental demand, reassuring lenders about returns. However, the bank first assesses your own circumstances: income, deposit and remaining savings. I build your application around both sides.
- Allow 6–10 weeks between the compromis de vente (preliminary sale agreement) and the mortgage offer, a little longer for non-residents or wealth-focused financing. Preparing your application before signing the compromis can save several weeks.