Looking for a mortgage broker in Menton to finance a seafront apartment, a house in Garavan or a second home in the old town? I am Audrey Hurelle, an independent mortgage broker on the Côte d'Azur. I help first-time buyers, retirees, investors and cross-border workers employed in Monaco secure the best finance for their purchase in Menton.
The property market in Menton
Average property prices in Menton are around €5,400 per square metre, with wide differences: from €4,200/m² in Borrigo to as much as €9,000/m² for sea-view properties in Garavan. This diversity calls for a lending strategy adapted to each neighbourhood and each buyer's circumstances.
Menton's exceptional climate attracts two very different groups: retirees buying a main home and cross-border workers employed in Monaco, with high incomes often paid in euros or Swiss francs.
Holiday rental demand is strong thanks to nearby Monaco, Italy and cultural tourism, making short-term LMNP particularly relevant here.
Banks pay particular attention to Monégasque income and do not all accept it on the same basis. I know which to approach for your circumstances.
My speciality in Menton: cross-border workers employed in Monaco
Menton is where I handle the most applications from cross-border workers employed in Monaco. Their income may be high, but it comes from a Monégasque employer and sometimes in several currencies. French banks do not all assess it the same way, and some simply discount it.
I know which banks recognise this income at its full value, which documents they require — a Monégasque employment contract, tax assessments and banking history — and how to present your application to avoid a discount. This often makes the difference to your borrowing capacity.
The neighbourhoods of Menton where I work
Garavan
Menton's most sought-after area, with exceptional villas and sea-view residences. Financing is often wealth-focused, with banks attentive to the loan amount and deposit.
Vieille ville & Baie du Soleil
Historic charm, often in older apartments needing renovation. Banks require building quotes and a review of the jointly owned building: I coordinate the mortgage and renovation finance.
Borrigo & Careï
More accessible family residential neighbourhoods (€4,200–€5,200/m²), ideal for first-time buyers and families.
Bord de mer & Promenade du Soleil
Sea-view residences with strong holiday rental demand. Ideal for a short-term LMNP (France's non-professional furnished letting status) investment.
Menton Ouest & frontière italienne
An area rising in value, popular with cross-border workers employed in Monaco and Italy. I work with banks that accept income in multiple currencies.
How I support your purchase in Menton
1. Free discovery call (30 minutes)
We discuss your purchase in Menton, your circumstances — working in Monaco, retirement or a first home — and your timing.
2. Financial review and lending strategy
I select the 3–5 banks best suited to your circumstances, whether you are a French buyer, cross-border worker or non-resident.
3. Negotiation
I present your application in branch and negotiate rates, insurance, fees and terms.
4. Support through to completion
I support you through completion with the notaire (the French conveyancing notary) and the release of funds.
Why choose me as your broker in Menton
- ✓ Detailed knowledge of the Menton market: Garavan, the old town and the border area
- ✓ Specialist in cross-border workers employed in Monaco, with income in euros or Swiss francs
- ✓ Support in French and English, plus basic Italian
- ✓ Direct contacts at bank branches throughout the Alpes-Maritimes (06)
- ✓ 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 Menton
- 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 mortgage negotiated for you.
- Yes, this is one of my specialities. I know the banks most receptive to Monégasque income, with payslips in euros or sometimes Swiss francs.
- At least 10%. In Garavan and for sea-view properties, a 20% deposit makes your application considerably stronger.
- Yes. Menton is in zone B1, making a new-build main home eligible for a PTZ (the French zero-interest first-time-buyer loan), subject to income limits.
- Yes. Tourism and proximity to the border make holiday letting very profitable. I select suitable banks.
- Yes. I regularly arrange mortgages with renovation finance in the old town. We include building quotes in the financing plan and align fund releases with progress on site.
- Yes, or by video call if you prefer.