The French Mortgage Expert's Background
The origin of our banking expertise is 2005. At that time Erwan Perrin was working in a French bank. He discovered how complicated it was for a non French customer to understand how to get an interesting French mortgage or even just to open a French bank account from a distance.
Thanks to a friend of his working as an estate agent in London specialized in French properties, Erwan decided to join the London office as a French mortgage broker in order to provide their clients with a customized service thanks to its French banks expertise.
In 2009, banks started to reduce their lending capacity because of European Basle 3 regulations and non-resident customers would have become more and more complicated to finance if we had remained as we were, with only 5 to 6 bank partnerships. That is why we decided to create Carte Financement in Paris, in order to have a better access to all French banks, pure national lenders and also local banks.
In 2012 Athena Mortgages and Carte Financement decided to separate. That is the reason why we are now, thanks to our expertise and knowledge proud to offer our own dedicated service French Mortgage Expert to non-resident !
The French Mortgage Expert's norms and values
Fully cognizant of the financial regulations that governs our industry, “French Mortgage Expert” strictly abides by professional ethics in banking intermediaries (IOB). Anticipating the fact that ORIAS regulation would become binding for all IOBs in 2013, French Mortgage Expert started following these regulations 2010 already. We also decided to become member of the Association Professionnels Intermediaires en Crédit (APIC) in order to show our attachment to transparency and professionalism. This corporation has strong ethical and professional rules which must be followed in order to become a member.
Our client’s interest is our interest. We always give priority to our client’s satisfaction when we make decisions, and we feel this is the best guarantee of sustainable success for us.
French mortgage Expert cultivates an international identity. Our teams are multicultural and multilingual. We can handle requests from residents around the world.
Every year, “French Mortgage Expert” donates a portion of its profits to associations. We made a grant to “Entrepreneur du Monde” in 2010 and to Oxus in 2011, two companies working in the field of micro finance. They help to develop small sustainable projects, mainly in Africa.