Home Financing Solutions for Your Property Goals

GJR Associates provides home financing solutions for property purchases, renovations, and housing projects. We help individuals and families secure funding aligned with their budget and long-term objectives.

Our home funding services are designed to simplify the financing process while offering reliable guidance and transparent support at every stage.

Primary Residence Purchase Loan
Rental Investment Financing
Construction/Renovation Loan
Second Home/Luxury Loan
Mortgage Refinancing
We provide you with much more responsive customer support that takes care of you and answers your questions. 5/7 business days

We Create Attractive Financial Solutions

We pride ourselves on our long-standing financial convictions, focusing on our clients’ results and growth.

1. What is the maximum amount I can borrow for a property purchase?

The amount depends on:

Your down payment (recommended minimum: 10% of the property price)

Your stable income (salary, rental income, etc.)

Your debt ratio (generally limited to 35% of your income)

The loan term (up to 25-30 years depending on your profile)
Example: With a net salary of €3,000, you could borrow up to ~€200,000 over 25 years.

2. What costs should you expect in addition to the property price?

Approximately 8 to 10% of the property price in additional costs:

Notary fees (7-8% for existing properties, 2-3% for new properties)

Application fees (0.5 to 1% of the borrowed amount)

Guarantee (mortgage or surety, ~1-2%)

Borrower’s insurance (0.2 to 0.4% of the borrowed capital/year)

3. What's the difference between a fixed-rate loan and a variable-rate loan?

Fixed rate: Stable monthly payments, protection against rising rates (safest choice). Variable (or revisable) rate: Lower initial rate, but may increase with the market (risk + potential gain). Tip: In 2024, a fixed rate is generally recommended to secure your budget.

4. Can I get a mortgage with a low salary or a fixed-term contract?

Yes, subject to conditions:

Fixed-term contract: Possible if a permanent contract is available or if you have a stable job (e.g., civil service). Low income: Solutions such as the PTZ (Zero Interest Loan), subsidized loans (Action Logement), or family guarantees. Other income (investments, pensions) is considered.

5. What should I do if rates increase after my loan application?

If you signed an offer: Your rate is locked in (unless otherwise specified).

If the offer is not signed: Renegotiate with your bank or broker.

Alternative solution: Seek subsidies (eco-PTZ, regional loans) or reduce the amount borrowed.