Unique solutions adapted to specific needs 
“Flex” is an adjustable repayment loan divided into five-year phases offering the option to choose between a fixed or a secured variable interest rate or a combination of both. The initial option chosen can be modified at the end of each phase.
“Flex” is an innovative and flexible solution that offers the option of choosing either a fixed or variable rate every 5 years with a maximum term of 20 years.
A choice of mortgage ‘profile’ :
The client can choose a mortgage ‘profile’ based on personal expectations : Secured, Balanced or Dynamic.
• Secured Mortgage Profile :
an attractive fixed rate for 5 years calculated on a 10 to 20 year term.
• Balanced Mortgage Profile :
a combination of a fixed and variable mortgage which offers security as well as benefiting from appealing variable rates.
• Dynamic Mortgage Profile :
the option to take advantage of attractive variable rates with the possibility of changing to a different loan combination at the end of the 5 year phase.
° Change your mortgage every five years
° Repay without penalty at the 5 year revision
° Adjust repayments at the anniversary date
For loans that are governed by Article L312-1 et seq. of the French Consumer Code (Code de la Consommation), the borrower has a 10-day cooling-off period. In such event, the sale is contingent on the loan being granted; if the loan is refused, the vendor must reimburse the sums paid.
“Flex” is an innovative and flexible solution that offers the option of choosing either a fixed or variable rate every 5 years with a maximum term of 20 years.
A choice of mortgage ‘profile’ :
The client can choose a mortgage ‘profile’ based on personal expectations : Secured, Balanced or Dynamic.
• Secured Mortgage Profile :
an attractive fixed rate for 5 years calculated on a 10 to 20 year term.
• Balanced Mortgage Profile :
a combination of a fixed and variable mortgage which offers security as well as benefiting from appealing variable rates.
• Dynamic Mortgage Profile :
the option to take advantage of attractive variable rates with the possibility of changing to a different loan combination at the end of the 5 year phase.
° Change your mortgage every five years
° Repay without penalty at the 5 year revision
° Adjust repayments at the anniversary date
For loans that are governed by Article L312-1 et seq. of the French Consumer Code (Code de la Consommation), the borrower has a 10-day cooling-off period. In such event, the sale is contingent on the loan being granted; if the loan is refused, the vendor must reimburse the sums paid.
