Information about our mortgage services
This document contains all the essential legal information that the adviser (intermediary) must disclose to prospective customers. This document must be used to decide if our services are right for you.
The Company is a limited liability company with capital of €2,000.00, and registered office at 3132c Route de Bevillard, Les Ollieres (74370), registered in the Annecy Trade Register under number RCS Annecy N°534 022 546, represented by Mr David Croft, acting in his capacity as Managing Director.
Siren; 534 022 546
Regulation & Permissions
We are regulated to act as independent intermediaries under a mandate from the customer. We are not subject to a contractual obligation to work exclusively with any single credit institution. Our permissions are granted by the French industry regulator; ORIAS, under the following classification;
Mandataire non exclusif en opérations de banque et en services de paiement (MOBSP) under the Orias registration number; 13009155
The activities of the MOBSP are placed under the control of the l’Autorité de Contrôle Prudentiel et de Résolution (ACPR) adresses courrier : 61 rue Taitbout, 75436 PARIS cedex 09 et internet : http://www.acpr.banque-france.fr/accueil.html Coordonnées : 01 49 95 40 00
We maintain, in accordance with the act and the code of good conduct coverage for Professional Civil Liability with financial guarantees sufficient to cover our activities. The coverages are consistent with the requirements of the monetary and financial code:
- Intermédiaires en Opérations de Banque et en Services de Paiement
What service do we offer?
We offer an advised sales service.
This means we will provide advice and make a recommendation for you after we have assessed your specific needs and circumstances.
Whose products do we offer?
We offer a comprehensive range of mortgages from across the market.
Method of Remuneration
BNPP Personal Finance
Bank & lending institution
Bank commission & client fee
Crédit Foncier de France
Other institutions on demand
What you will have to pay us for this service?
The remuneration shall be fixed by the subsequent issuing of the brokerage contract. It is defined according to two elements:
1) Remuneration by the banking establishment
Please note, that in application of article L 519-6 of the monetary and financial code, "It is forbidden to any person or entity which provides its assistance, in whatever title and in any manner whatsoever, directly or indirectly, to obtain or to the granting of a loan of money, to collect a sum representing allowance, commissions, costs of research, approaches, of constitution for folder or through any, before the actual payment of funds lent. He is also prohibited, before the release of funds and of a copy of the notice, to submit to the acceptance of the borrower of letters of exchange, or to subscribe the promissory notes, in recovering the cost of through or of committees".
Other financial incentives
Maximum 1.1% which is capped at €1,500, €7,000 or €7,500, depending on the institution
0 to 2% depending upon the complexity of the application
We inform you that the subscription of the credit contract is likely to have serious consequences on your financial situation and on your property given as security where appropriate in warranty. In the case of unpaid debts requested(s) you could be liable in respect of the credit institution for the capital outstanding plus interest for late payment as well as a compensation.
What to do if you have a complaint
If you wish to register a complaint, please contact us:
Mirabeau Financial, 3132c Route de Bevillard, Les Ollieres 74370, France
Or by phone; 00 33 (0) 96 32 61 324
If you cannot settle your complaint with us, you can refer it to;
L'Autorité de Contrôle Prudentiel, 61 rue Taitbout - 75436 Paris cedex 9 - site : www.ccamip.fr - tél. : 0033 (0) 1 55 50 41 41