HelloPrêt
- Company typePrivate
- Founded2019
- HeadquartersParis, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What HelloPrêt does
HelloPrêt, operated by SAS HelloPrêt Courtier, is a France-based digital mortgage brokerage platform founded in 2019 by Olivier Jourdan (a mortgage broker with 15+ years of experience) and co-founder Maxime Poma. The company is registered as Courtier en opérations de banque et en services de paiement (COBSP) under ORIAS number 18002298 and holds CNIL declaration N°2018783-4. It serves French individual property buyers — including first-time purchasers, upgraders, investors, owners refinancing existing loans, and complex-profile borrowers (self-employed, freelancers, expatriates, civil servants) — by combining a suite of online simulation tools with human broker expertise delivered via phone, chat, and video conference.
The platform's product surface spans core mortgage brokerage, PTZ zero-interest loans, credit refinancing, bridge loans, investment property mortgages, mortgage insurance brokerage, the Attestation de Financement (a borrower financing capacity document with a proprietary 1-100 Score HelloPrêt), and the premium Offre Sérénité guarantee service. Its underlying technology centers on algorithmic bank-offer matching and a deterministic scoring system built from BCE risk coefficients and Crédit Logement conversion rates, rather than modern machine learning. The company has accumulated over 1,000,000 simulations platform-wide, with 10,000+ monthly, and holds a 4.9/5 Google rating across 2,000+ reviews.
HelloPrêt's business model is a hybrid of two revenue streams: a client brokerage fee of €3,500 TTC charged only upon successful loan completion (fixed rather than percentage-based, becoming more competitive for loans above €350,000), plus apporteur d'affaires commission paid by partner banks for referred clients. Distribution is entirely digital and nationwide across France, with no physical branches, supported by content marketing, SEO, organic social, an email newsletter, earned media coverage in outlets such as Forbes and BFM Business, and a referral program reportedly used by 3 out of 4 clients. The company raised approximately €4.15M (~$4.45M) from NewAlpha Asset Management VC in September 2019 and remains privately held with 11-50 employees.
HelloPrêt firmographics
Firmographics- Name
- HelloPrêt
- Legal name
- SAS HelloPrêt Courtier
- Website
- https://hellopret.fr
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
HelloPrêt industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)
Keywords
Where HelloPrêt is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
HelloPrêt business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Others
Revenue model
- Client brokerage fees: Fixed fee of 3,500 € TTC charged to clients upon successful loan completion. No upfront fees required. The fee covers full service including dossier analysis, bank matching, rate negotiation, insurance optimization, and accompaniment to notary signature.
- Bank commission (apporteur d'affaires): Commission paid by partner banks for bringing them clients. This is standard practice in French mortgage brokerage.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Standard mortgage brokerage package |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels6 records
HelloPrêt product offering
Product offeringCore offering
HelloPrêt operates a digital mortgage brokerage platform that connects French property buyers with partner banks and negotiates optimal mortgage terms on their behalf. The service pairs a free online simulation suite (borrowing capacity, rates, monthly payments, amortization) with expert human brokers who compare offers across multiple banking partners and accompany clients through to notary signature. Beyond core mortgage brokerage, the firm also brokers borrower insurance, handles credit refinancing, bridge loans, PTZ assistance, and issues financing attestations with a proprietary Helloprêt score.
Product overview
HelloPrêt operates as a hybrid digital mortgage brokerage platform combining algorithmic loan comparison tools with expert human brokerage services. The core offering is mortgage loan brokerage (Prêt Immobilier) supported by a comprehensive suite of online simulation tools—the largest in France per company claims. The platform distributes additional loan products including zero-interest PTZ loans, credit refinancing, bridge loans, and mortgage insurance, all negotiated through HelloPrêt's bank partner network. A differentiated service is the Attestation de Financement (financing attestation) that provides borrowers with documented proof of financing capacity and a proprietary Helloprêt score to strengthen purchase offers. The company differentiates through a fixed 3,500€ TTC brokerage fee model rather than percentage-based pricing.
Differentiator
Problem solved
Functional benefit
Products and services
- Prêt Immobilier (Mortgage Loan Brokerage)
Quantifiable outcome
- Save approximately 10,500 € on average with 0.20 point rate difference over 25-year €350,000 loan
- +3 more outcomes
Companies that use HelloPrêt
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
HelloPrêt technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature3 records
HelloPrêt partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Partner banks (multiple)coreHelloPrêt works with multiple banking partners to match borrowers with optimal financing solutions. The company interrogates several banks (national, regional, and online) on behalf of clients to negotiate best rates and conditions. Banks pay commission (apporteur d'affaires) to HelloPrêt for bringing them clients.
Scale indicators6 records
Recent moves5 records
Expansion highlights5 records
HelloPrêt competitors and assessment
Company assessmentDirect peers
- Vousfinancer: Vousfinancer is a French mortgage broker network combining local agency relationships with digital customer acquisition for rate negotiation across partner banks. It is comparable to HelloPrêt in serving individual French borrowers for purchase and refinancing, with a heavier physical-presence model.
- Pretto: Pretto is a French digital-first mortgage brokerage that combines online simulations with human advisor support to negotiate mortgage loans with banks. It targets the same French primary-residence buyer segment and competes head-to-head with HelloPrêt on hybrid digital UX, transparent pricing, and partner-bank rate comparison.
- Credixia: Credixia is an online French mortgage and insurance broker providing simulations and bank rate comparison with remote advisor support. It is a comparable digital broker competing for the same French residential property buyer audience, including self-employed and complex profiles.
- Magnolia Courtage / Magnolia.fr: Magnolia is a French digital mortgage broker operating with online tools plus phone-based advisor support to negotiate loans with partner banks. It targets similar individual property buyers in France and overlaps with HelloPrêt on hybrid digital broker delivery and rate-comparison value proposition.
Broad incumbents
- Meilleurtaux: Meilleurtaux is one of the largest French mortgage and insurance broker networks, offering comparison, rate negotiation, and physical branch coverage nationwide. It is comparable as a comprehensive incumbent mortgage broker serving French consumers across primary, secondary, and investment property purchases.
- Meilleurtaux Assurance: The mortgage insurance brokerage arm of Meilleurtaux, distributing borrower insurance with online comparison and advisor support. It is comparable to HelloPrêt's assurance de prêt immobilier offering where both brokers combine rate optimization with insurance cost reduction in a single customer journey.
- Boursorama Banque: Boursorama is the largest online bank in France (Société Générale group) offering mortgage origination directly to consumers via its digital platform. It is a broad incumbent that competes with HelloPrêt by providing in-house mortgage offers, potentially disintermediating the broker channel.
- Cafpi: Cafpi is the longest-established French mortgage broker network with a large nationwide branch footprint and bank partnerships. It addresses the same customer need — finding best mortgage rate across banks — and competes with HelloPrêt in primary-residence and refinancing segments, though primarily through physical-agency distribution.
Emerging players
- Younited Credit: Younited Credit is a French regulated consumer-credit platform that uses digital underwriting and instant decisions to lend directly to borrowers. While its core product is consumer credit rather than mortgage, its digital credit-decisioning technology and French retail-customer focus are adjacent to HelloPrêt's scoring and simulator tools.
Others
- Stellantis Finance / CA Consumer Finance (broker arm): Indirect comparator: French banking groups (Crédit Agricole, Société Générale, BNP) operate in-house mortgage origination that competes with brokers via direct digital channels. Included as ecosystem context for bank-distribution competitive dynamics affecting broker commission economics.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
HelloPrêt social profiles
Digital presenceHelloPrêt compliance and trust
Trust signalCompliance2 records
HelloPrêt financial estimates
Financial estimateRevenue estimate
Valuation estimate
HelloPrêt leadership team
Management profileNumber of profiles
Profiles2 records
HelloPrêt funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HelloPrêt M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about HelloPrêt
What does HelloPrêt do?
HelloPrêt operates a digital mortgage brokerage platform that connects French property buyers with partner banks and negotiates optimal mortgage terms on their behalf. The service pairs a free online simulation suite (borrowing capacity, rates, monthly payments, amortization) with expert human brokers who compare offers across multiple banking partners and accompany clients through to notary signature. Beyond core mortgage brokerage, the firm also brokers borrower insurance, handles credit refinancing, bridge loans, PTZ assistance, and issues financing attestations with a proprietary Helloprêt score.
Is HelloPrêt a public or private company?
HelloPrêt is a private company. It is classified as venture growth investor backed and is currently operating.
When was HelloPrêt founded?
HelloPrêt was founded in 2019. It employs 11 to 50 people.
Where is HelloPrêt based?
HelloPrêt is headquartered in Paris, France, in the Europe region.
How does HelloPrêt make money?
Two revenue lines are on record. Client brokerage fees are the primary driver. The others are bank commission (apporteur d'affaires).
Who are HelloPrêt's main competitors?
Direct peers on record are Vousfinancer, Pretto, Credixia and Magnolia Courtage / Magnolia.fr. Broad incumbents are Meilleurtaux, Meilleurtaux Assurance, Boursorama Banque and Cafpi. Younited Credit is listed as an emerging player. Stellantis Finance / CA Consumer Finance (broker arm) is listed as an others.
Does HelloPrêt have an API?
No public API is recorded for HelloPrêt.
What industry is HelloPrêt in?
HelloPrêt's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAEAMAA, Mortgage & Loan Introducers (Residential & Commercial). Its NAICS code is 522310 and its SIC code is 6163.