Mortgage: finance your property project at the best rate

A mortgage tailored to your project

A mortgage is the ideal financing solution for purchasing or investing in property. Whether you are buying a main residence, a second home or a rental investment, a mortgage allows you to finance all or part of your project under controlled conditions.

At GCT FINANCES, we support you every step of the way to offer you personalised property financing, with competitive fixed rates and a term tailored to your financial situation.

Apply for a mortgage with GCT FINANCES

A mortgage is a loan granted by an approved lender to finance the construction or purchase of residential or mixed-use (residential and commercial) property.

As a credit institution approved by the ACPR, GCT FINANCES offers you recognised expertise to help you:

• finance a property purchase
• optimise your borrowing capacity
• secure your project in the long term

Our goal: to enable you to obtain a reliable, transparent mortgage that is tailored to your needs.

How much can you borrow for a mortgage?

The amount of your mortgage depends on several key criteria:

• your professional and financial situation
• your monthly income and expenses
• your personal contribution (if available)
  the repayment term you choose

In accordance with current recommendations, your debt ratio should generally not exceed 35% in order to maintain a balanced budget.

With our online mortgage calculator, you can quickly estimate:

• the amount you can borrow
• your monthly payments
• the total cost of your loan

What repayment period should you choose for your mortgage?

The repayment period of your mortgage directly affects:

• the mortgage interest rate
• the amount of mortgage insurance
• the total cost of financing
• your debt ratio

The High Council for Financial Stability recommends a maximum term of 25 years, with a possible extension to 27 years for certain new-build projects (including a deferred payment period).

30-year mortgage loans are still possible but have become rare.

There is no universal ideal term:
the best mortgage term is one that allows you to repay your loan with peace of mind, without jeopardising your financial situation.

Mortgage simulation: plan your financing

Before applying, it is essential to simulate your mortgage. Simulation allows you to:

• check your borrowing capacity
• compare different repayment terms
• estimate your monthly payments
• anticipate the total cost of your mortgage

Our online mortgage simulation tool is simple, fast and non-binding.

A mortgage at the best rate

GCT FINANCES offers competitive fixed mortgage rates that are among the best on the market.

• Fixed annual rate up to 3.29%
• Flexible repayment terms
• Transparent conditions
• Personalised review of your application

Obtaining a mortgage at the best rate reduces the overall cost of your project and secures your investment.