Buying an apartment in Nice from the UK, the US, Scandinavia or elsewhere? I am Audrey Hurelle, an independent mortgage and loan broker based on the Côte d'Azur. I build your file, select the French banks that actually lend to your profile, negotiate the loan and the insurance, and stay by your side until the notary.
What a loan broker in Nice does for you
- Assess your borrowing capacity under French bank rules (35% debt ratio).
- Prepare and translate the right documents for foreign income.
- Approach only the banks that finance non-residents in Nice.
- Negotiate the rate, borrower insurance and fees.
- Coordinate with the estate agent and the notary until completion.
Buying in Nice: what banks look at
Nice prices vary widely: around €4,500–6,500/m² in Libération or Riquier, up to €10,000–12,000/m² on the Promenade des Anglais. Many buildings are older, so banks check renovation costs and energy ratings closely.
Good properties sell fast. An agreement in principle prepared before your viewings makes your offer far more credible to sellers.
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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
- Yes. I work in English and French, and I explain every step of the French mortgage process in English, from the first call to the signature at the notary.
- Yes. A few French banks finance non-residents. They usually expect a larger down payment (often 20 to 30%) and well-documented foreign income. I present your file to the banks that accept your profile.
- The discovery call is free. For non-residents my fee is 2% of the loan amount, with a minimum of €4,500, payable only if your loan is signed. For French residents it is 1%, with a minimum of €3,000.
- Allow around 8 to 12 weeks between the signed preliminary contract (compromis) and the final deed, slightly longer for non-residents because of document checks.
- All of Nice — Carré d'Or, Promenade des Anglais, Vieux-Nice, Port, Cimiez, Mont Boron, Fabron — and the wider Côte d'Azur: Villeneuve-Loubet, Cagnes-sur-Mer, Antibes, Cannes.