Prestige MLS doesn’t only count real estate agencies, we are expanding with non-real estate agencies through our Affiliates program. Discover our first finance expert: Céline Monier, with Make It Easy Consulting, providing mortgage brokerage services in France and Monte Carlo.
Hello, Mrs Monier. You are our first financial expert to enter the Prestige MLS Affiliate program, expanding the network to non-real estate agencies experts. How does that feel?
It’s a great pleasure for me to be now part of Prestige MLS. And i can’t wait to meet the others members.
It is essential to consult a loan expert in order to get the best advice to finance the client’s project but also to get the best loan conditions and save them time, money…and hassle!
Now, can you tell us where exactly you can assist our Members when achieving an international purchase?
I am a mortgage and commercial loan broker dedicated for international clients purchasing a property in France and Monaco. With my 45 banks partners (based in France, Monaco, Luxemburg, Switzerland, etc.) I can find tailored solutions for their clients.
Why is it essential to consult a loan expert for buying a home in France or Monaco?
It is essential to consult a loan expert in order to get the best advice to finance the client’s project but also to get the best loan conditions and save him/her time and money…and hassle!
Are there global regulations that apply to real estate mortgages or is it always a different scenario depending on the country?
All banks have criteria and the client must fit them but i also confirm that banks apply more and more a case to case scenario which means that a loan which can be done for a client might not be done for another due to some little differences.
One more for the road! What would you say are the three key points any investor should keep in mind when buying in France or Monaco?
Here are my 3 key points:
Before the purchase, getting an advice e.g. from a tax lawyer to make sure that the client is purchasing his property in order to be the most efficient tax-wise
Whatever the property is (main or second home, commercial property, etc…), make sure you can sell it quickly. Location and accommodation are very important!
At last, meet a mortgage broker, ESPECIALLY when you don’t need any loan, in order to avoid to pay Wealth tax on your property(ies) and to find the best solutions to finance your project
