Looking for a mortgage broker in Saint-Laurent-du-Var to finance an apartment near Cap 3000, a house in the hills or a rental investment close to the airport? I am Audrey Hurelle, an independent mortgage broker on the Côte d'Azur. Every month, I help local first-time buyers, families and investors secure the best finance for their plans, with no fees before the loan is secured.
The property market in Saint-Laurent-du-Var
Average property prices in Saint-Laurent-du-Var are around €4,800 per square metre, with a marked gap between seafront residences near Cap 3000 (up to €6,500/m²) and the town centre (€4,200–€4,800/m²). This affordability makes it a favourite alternative to Nice for first-time buyers working in western Nice or Sophia.
Saint-Laurent-du-Var has a strategic location: 10 minutes from Nice, 5 minutes from the airport, with tram T2 and the A8 immediately nearby. Properties are easy to buy and sell, reassuring banks.
Éco-Vallée is gradually transforming the town, with numerous new developments, tech businesses moving in and values expected to rise over the medium term.
Rental demand is strong thanks to the nearby airport, hôpital Lenval and business centres, making rental investment particularly relevant here.
My speciality in Saint-Laurent-du-Var: rental investment
Alongside Cagnes, Saint-Laurent-du-Var is where I arrange the most rental investment finance in the Nice area: close to the airport, tram T2, the hospital and business centres, with prices still below Nice.
For an investment, the bank focuses on financial balance rather than the idea alone: rental income counted at 70%, your chosen tax treatment and your disposable income after the purchase. I build the application around these three figures before submitting it.
The neighbourhoods of Saint-Laurent-du-Var where I work
Cap 3000 & bord de mer
Popular modern residences near tram T2 and the airport. Prices are firm (€5,000–€6,500/m²), and building charges can be high: I select banks comfortable with these costs.
Bord du Var & Plaine du Var
An area being transformed by Éco-Vallée and the tram line. New developments, PTZ (the French zero-interest first-time-buyer loan) opportunities and reduced TVA (VAT) in certain ANRU (urban regeneration) areas.
Les Pugets & hauteurs
Quiet residential neighbourhoods with detached houses and views. Conventional mortgages, with very competitive regional banks.
Centre-ville & Tzanteinos
Accessible prices (€4,200–€5,000/m²) near the SNCF railway station. Ideal for a first purchase or rental investment.
New developments (Éco-Vallée, Cap 3000)
VEFA (off-plan purchases), PTZ and 5.5% TVA in ANRU areas, subject to conditions. I negotiate the specific terms and staged fund releases.
How I support your purchase in Saint-Laurent-du-Var
1. Free discovery call (30 minutes)
We discuss your purchase in Saint-Laurent-du-Var, your circumstances and timing. I give you an honest assessment of what is possible.
2. Financial review and lending strategy
I analyse your income, deposit and existing loans, then select the 3–5 banks best suited to your purchase in Saint-Laurent-du-Var.
3. Negotiation
I present your application in branch and negotiate the interest rate, mortgage protection insurance, arrangement fees and early repayment terms.
4. Support through to completion
I support you from the mortgage offer through to signing with the notaire (the French conveyancing notary), including arranging insurance with an alternative provider and the release of funds.
Why choose me as your broker in Saint-Laurent-du-Var
- ✓ Detailed knowledge of the Saint-Laurent-du-Var market: Cap 3000, Éco-Vallée and the hills
- ✓ Direct contacts at bank branches throughout the Alpes-Maritimes (06)
- ✓ Personal support: I reply to every email and call myself
- ✓ Specialist in first-time purchases and rental investment in the Nice area
- ✓ 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 Saint-Laurent-du-Var
- 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.
- At least 10%, covering notaire fees and loan security costs. With 15%, you can secure much better terms, particularly for modern residences near Cap 3000.
- Yes. Saint-Laurent-du-Var is in zone B1, making a new-build main home eligible for a PTZ, subject to income limits. Some Éco-Vallée developments also qualify for 5.5% TVA.
- Yes. It is one of the most attractive towns in the Nice area for rental investment, thanks to the airport, tram, hospital and business centres. I regularly arrange finance for LMNP (France's non-professional furnished letting status) and unfurnished rental investments here.
- Allow 8–10 weeks between the compromis de vente (preliminary sale agreement) and completion with the notaire, as elsewhere in the Alpes-Maritimes (06).
- We can meet in person or remotely. Most clients prefer video calls to save time.