Mirabelle

What Mirabelle does

Mirabelle SA is a Paris-based, ACPR-regulated financing company (société anonyme à mission) that operates as the only independent French lender entirely dedicated to the prêt viager hypothécaire — a lifetime mortgage product enabling property owners aged 60 and above to unlock up to 50% of their home's value (€25,000 to €2,000,000, averaging ~€100,000) as a tax-free capital sum, with no monthly repayments during the borrower's lifetime and settlement occurring at succession or property sale. Founded in December 2024 by Hugo Jenny (CEO) and Bastien Davalos (Deputy CEO), the company received its ACPR license in March 2026 and launched commercially in April 2026 following a €6M seed round, bringing cumulative funding to approximately €7.3M (€1.3M Dec 2024 + €6M Apr 2026).

Mirabelle's core technology consists of a digital lending platform built around three components: a free, no-commitment online simulator (simulateur.mirabelle.fr) that computes borrowing capacity, interest projections, and inheritance-protection scenarios in real time based on age, property value, marital status, and property type; a digital loan-management platform connecting customers, partner insurers, and brokers through a secure workflow; and a GDPR-compliant client portal (espace-client.mirabelle.fr) backed by segregated password databases, encryption, HTTPS, automated session timeouts, and periodic penetration testing. Optional product modules include an 'Option Protection Héritage' (inheritance guarantee reserving a minimum property value for heirs) and a 'Rente à Vie' (lifetime annuity) conversion executed through a partner insurance company.

The business model combines interest income on capitalised reverse mortgages with one-time loan processing fees (notary fees of 1.25%-3.1% and property diagnostic fees of €700-€2,000); Mirabelle charges no application fees. Distribution runs through a dual direct/intermediated model: a dedicated internal advisor team handles the 2-4.5 month origination cycle end-to-end, complemented by intermediated partnerships with Groupe Renée Costes (France's viager market leader) and Groupe Elvest (formerly Inter Invest, serving private banking, family offices, and institutional investors). Mirabelle serves metropolitan France (SCI-held properties excluded), targeting senior homeowners for use cases including home renovation, accessibility adaptations, family assistance, healthcare financing, and retirement income supplementation.

Name

Mirabelle

Legal name

Mirabelle SA

Website

https://mirabelle.fr

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

Mirabelle SA is a Paris-based, ACPR-licensed financing company offering prêt viager hypothécaire (lifetime mortgages) to French homeowners aged 60+, enabling them to unlock up to 50% of property value with no monthly repayments, distributed via direct advisors and partner networks.

Ownership category

akta.pro rank

Product category

Reverse Mortgage Lending

NAICS

Real Estate Credit (522292), Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro industry

PRIMARYFSALAGAA

Closed-End Home Equity Loans (Second Mortgages)

Financial & Insurance/Mortgage & Housing Finance/Home Equity Lending & HELOCs

SECONDARYFSALAHAF

Renovation/Remodel-to-Perm Financing (Owner-Occupied)

Financial & Insurance/Mortgage & Housing Finance/Construction & Renovation Financing (Construction-to-Perm)

Keywords

• Reverse mortgage lending
• Lifetime mortgage financing
• Senior home equity
• Retirement financing solutions
• Home equity loans

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D

Revenue model

1. Lifetime Mortgage Lending Interest: Mirabelle earns interest income on loans extended to senior property owners. Interest accrues annually and is capitalized (added to outstanding capital) if not paid, with full repayment occurring at property sale or inheritance settlement. The company operates as a regulated financing company without deposit activity.
2. Loan Processing Fees: Revenue from notary fees (1.25% to 3.1% of loan amount) and property diagnostic/expertise fees (700€ to 2,000€). No application/dossier fees are charged to customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Mirabelle offers a lifetime mortgage (prêt viager hypothécaire) product enabling French homeowners aged 60 and above to unlock up to 50% of their property value as tax-free capital, with no monthly repayment obligations during their lifetime. Repayment is due at property sale or inheritance settlement, with debt capped at property value so heirs never owe more than the property is worth. The lending activity is supported by an online simulator for borrowing capacity assessment and a client portal for loan management.

Product overview

Mirabelle is a specialized financing company offering a unified platform for reverse mortgage (prêt viager hypothécaire) products targeting French homeowners aged 60+. The core offering consists of the prêt viager hypothécaire, which enables seniors to unlock equity from their property without selling or repaying monthly. This is supported by an online simulation tool for capacity assessment, a client portal for account management, and optional add-ons including inheritance protection and lifetime annuity conversion. The company supplements its lending products with educational guides on retirement financial planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Prêt Viager Hypothécaire (Lifetime Mortgage) A reverse mortgage product for French homeowners aged 60+ that unlocks up to 50% of the property's value as tax-free capital, with no monthly repayments required during the borrower's lifetime. Repayment occurs upon succession or property sale, with debt capped at the property's value to protect heirs.

Quantifiable outcome

• Up to 50% of property value accessible as capital
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Silver AllianceminorStrategic or Co-development PartnerOrganizational membership providing industry credibility and access to senior-focused ecosystem networks in the aging and retirement space.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Pure Retirement: UK specialist equity release / lifetime mortgage lender, directly comparable in product, customer segment (older homeowners), and regulated-lender model.
• Just Group: UK-listed specialist in retirement income and lifetime mortgages, directly comparable to Mirabelle as a regulated specialist focused on equity release for seniors rather than general mortgage banking.
• more2life: UK specialist lifetime mortgage provider, comparable as a regulated, capital-backed lender dedicated to the senior equity-release niche that Mirabelle serves in France.

Regional players

• Groupe Renée Costes: France's leading viager specialist and a Mirabelle distribution partner; comparable as a regional specialist in senior home-equity monetization, though viager is sale-based whereas Mirabelle is loan-based.

Broad incumbents

• Crédit Agricole: Major French universal bank with mortgage and home-equity products for seniors; broader incumbent with significantly lower funding cost and existing customer reach in the French senior segment.
• CNP Assurances: Leading French personal insurer with retirement and home-related savings products; relevant broad incumbent with established senior-customer relationships and capital base.
• Aviva UK Lifetime Mortgages: Large UK insurer with a lifetime mortgage product within its broader retirement portfolio; comparable as a regulated lender offering equity release to seniors, though not specialized.
• Canada Life UK: UK arm of a global insurer offering lifetime mortgages as part of a broader retirement product set; relevant incumbent comparable on product and senior-customer focus.
• BNP Paribas: Largest French bank offering residential mortgage and home-equity products; an incumbent competitor with deposit-funded balance sheet strength that could expand into lifetime mortgage distribution.

Emerging players

• Perenna: French challenger bank focused on innovative home-ownership finance products; emerging player with partial overlap in alternative French home-equity and mortgage offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mirabelle