What CyberPrêt.com does

CyberPrêt.com is a French online mortgage brokerage (courtier en opérations de banques) headquartered in Lyon, operating a 100% remote, digital-first platform that aggregates and compares residential mortgage offers across 61 French banks and 24 insurance providers (with 119 contracts compared). The company serves individual property buyers, owners refinancing, and borrowers consolidating debt, including primary-residence, investment-property, bridge (prêt relais), co-owner buyout (rachat de soulte), and insurance-delegation use cases. Its product surface comprises a multi-bank rate comparison engine, a free Crédit Vérifié financing-capacity attestation, a suite of 35 financial calculators, specialized simulators (soulte, regroupement de crédits, prêt relais, renégociation), and a dedicated human-advisor layer that manages the borrower file through to notary signature.

Underlying technology consists of a web-based simulation engine, secure document-exchange personal space, daily rate feeds from 61 banking partners, and insurance contract comparison tooling; the platform is integrated with partner guarantees (Crédit Logement, SACCEF, CMH, CASDEN) for mortgage guarantee selection. Geographic operations are confined to metropolitan France.

Revenue is generated through three transaction-based streams: (i) bank introducer commissions paid by partner banks on successfully placed mortgage files, (ii) borrower brokerage fees disclosed upfront in the mandate and integrated into the TAEG, and (iii) affiliate commissions from 24 insurance providers, particularly when borrowers choose external (delegated) insurance over bank-default coverage. The GTM motion is direct-to-consumer with a self-serve simulator funnel supplemented by inside-sales advisor contact via phone, SMS, and email. Customer acquisition is led by SEO/content marketing (rate guides, regional rate tables, expert educational content) and reinforced by 10,114 customer reviews and a 4.8/5 Google rating. The firm is privately held with no external funding rounds or ownership changes referenced, and is regulated as a mortgage broker under ORIAS registration n°13002284.

Name

CyberPrêt.com

Legal name

CyberPrêt.com

Website

https://cyberpret.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

CyberPrêt.com is a France-based digital mortgage brokerage that compares rates from 61 banks and 24 insurers, providing residential mortgage, refinancing, debt consolidation, bridge, and insurance-delegation services to individual French property buyers entirely through a remote online platform.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

akta.pro secondary industry

Consumer Direct / Online Mortgage Origination (FSALAAAB)

Keywords

• Mortgage brokerage
• Loan simulation
• Insurance comparison
• Debt consolidation
• Rate renegotiation

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Bank introducer commissions: Brokerage fees paid by partner banks for bringing new mortgage business. Most banks operate through introducer conventions where CyberPrêt receives a commission based on loan volume and terms negotiated.
2. Borrower brokerage fees: Brokerage fees charged to borrowers based on file complexity. Fees are disclosed upfront in the mandate agreement and integrated into the TAEG (annual effective rate), making them transparent and comparable across offers.
3. Insurance introducer commissions: Commissions received from 24 insurance partners when customers purchase loan insurance through the platform, particularly when choosing external insurers over bank-provided insurance.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

CyberPrêt.com is a French online mortgage brokerage that compares mortgage rates across 61 French banks and loan insurance from 24 providers, then negotiates and manages the loan file on the borrower's behalf through dedicated advisors. The service covers new acquisitions, rate renegotiation, debt consolidation, bridge loans (prêt relais), and co-owner buyout (rachat de soulte), with a free Crédit Vérifié financing capacity certificate delivered in under 24 hours. The full process — simulation, bank competition, secure document exchange, and follow-through to notary signature — is conducted remotely across France.

Product overview

CyberPrêt.com is a national French mortgage brokerage platform operating as a single unified service rather than a modular platform. The core offering centers on mortgage comparison and brokerage, with the primary product being an online simulation tool that compares 61 French banks and 24 insurers to secure optimal loan terms. Supporting services include 35 financial calculators (monthly payments, loan smoothing, PTZ, notary fees, TAEG, guarantee costs), loan insurance comparison, rate tracking, and specialized products for credit consolidation, rate renegotiation, and bridge financing (prêt relais). The company also provides an attestation service for verified financing capacity. The portfolio is unified under the CyberPrêt brand with no distinct sub-brands, modules, or acquired products—users access all services through the same platform and advisor network.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage acquisition brokerage (Simulation de prêt immobilier) Online mortgage simulation and brokerage for new residential property acquisitions in France, comparing rates across 61 partner banks and managing the full loan file through a dedicated advisor to notary signature. Targeted at individual French property buyers.
• Loan insurance comparison and delegation (Comparateur d'assurance de prêt) Comparison and brokerage of borrower loan insurance across 24 insurers and 119 contracts, enabling borrowers to substitute external insurance for bank-provided insurance at up to 30% lower cost. Covers new mortgages and delegated substitution on existing loans.
• Debt consolidation (Regroupement de crédits) Brokerage service combining multiple existing consumer loans into a single mortgage with one monthly payment, improved debt ratio, and renegotiated terms, offered to French individuals with multiple outstanding loans.
• Mortgage rate renegotiation (Renégociation de taux) Brokerage service for existing mortgage holders to renegotiate or refinance their loan at a better rate with their current bank or a competing lender, lowering monthly payments or shortening loan duration.
• Bridge loan (Prêt relais) Brokerage of short-term bridge financing (prêt relais) for property owners who need to purchase a new home before selling their existing one, with advances of 50–80% of the current property's net sale value.
• Co-owner buyout financing (Rachat de soulte) Specialized brokerage for individuals buying out co-owners' shares in shared property, commonly following divorce, inheritance, or partnership dissolution, with a dedicated simulator and financing arrangement.
• Mortgage rate tracking (Taux immobilier) Real-time publishing of best negotiated mortgage rates and average market rates across French regions and loan durations (7–25 years), updated regularly to inform borrower decisions.
• Loan guarantee comparison (Garanties de prêt immobilier) Comparison and brokerage of mortgage guarantees, including hypothèque and caution partners such as Crédit Logement, SACCEF, CMH, CNP, CASDEN, and X-MINES, supporting both new and refinanced loans.
• Crédit Vérifié financing capacity certificate (Attestation Crédit Vérifié) Free financing capacity certificate delivered in under 24 hours to help buyers stand out from competing offers and reassure sellers and real estate agencies during a property purchase.

Quantifiable outcome

• 93.54% customer satisfaction rate based on 10,114 reviews
• +3 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Crédit LogementcoreStrategic or Co-development PartnerPrimary caution partner for mortgage guarantees. Used by major banks including Société Générale, CIC, BNPPARIBAS, LCL, La Banque Postale, CCF, Boursobank, BPE, and Fortuneo. Offers partial fund restitution at loan end or early repayment.
• SACCEFcoreStrategic or Co-development PartnerCaution organization for banks in the Caisse d'Épargne and Banque Populaire groups. Provides mortgage guarantee services for their lending activities.
• CMH (Caution Crédit Mutuel)coreStrategic or Co-development PartnerCaution partner for Crédit Mutuel group banks (excluding Arkéa group). Provides mortgage guarantee services for Crédit Mutuel lending.
• CASDENcoreStrategic or Co-development PartnerCaution partner for Banque Populaire group. Exclusive to public sector employees and similar. Composed partly of recoverable social shares at financing end.
• 61 French BankscoreChannel Partner/ Reseller/ DistributorNetwork of 61 French banking partners including major institutions and regional banks. Most operate through introducer conventions where CyberPrêt receives commissions for bringing new business.
• 24 Insurance ProviderscoreChannel Partner/ Reseller/ DistributorNetwork of 24 insurance partners including Cardif, Axa, CNP Assurances, Metlife, Generali, Swisslife, Groupama, and Prevoir. Comparison of 119 insurance contracts to find best coverage and rates.
• MyTreeminorStrategic or Co-development PartnerEnvironmental partnership planting one tree for each financing completed through CyberPrêt. Sustainability initiative providing environmental differentiation and customer goodwill.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Vousfinancer: Vousfinancer is a French mortgage broker with agency and digital channels, aggregating bank offers for individual borrowers. It is a direct competitor to CyberPrêt in the French residential mortgage intermediation market.
• Meilleurtaux: Meilleurtaux is one of the leading French mortgage brokerages, comparing offers from a broad bank panel and serving borrowers online and via branches. It competes directly with CyberPrêt on bank-rate aggregation and D2C mortgage intermediation.
• Pretto: Pretto is a French online mortgage broker offering D2C rate comparison, file management, and remote advisor support. It is a direct competitor to CyberPrêt, operating the same digital-first brokerage model for residential mortgage buyers in France.
• Cafpi: Cafpi is a large French mortgage broker with a national branch network and online service. It competes directly with CyberPrêt for French residential mortgage borrowers using the same multi-bank comparison and intermediation model.
• ACE Crédit: ACE Crédit is a French broker specialized in mortgage, consolidation, and consumer credit, operating via branches and online. It overlaps with CyberPrêt on mortgage brokerage and rate comparison for French borrowers.
• Hello Prêt: Hello Prêt is a French online mortgage broker comparing bank offers and managing files remotely for individual borrowers. It directly competes with CyberPrêt on D2C French mortgage intermediation.
• Magnolia.fr: Magnolia.fr is an online French mortgage broker (courtier en ligne) that compares offers from multiple banks for D2C borrowers. It mirrors CyberPrêt's digital-first approach to French mortgage intermediation.

Emerging players

• Younited Credit: Younited Credit is a French-founded online consumer and personal loan platform. While focused on unsecured credit rather than mortgages, it overlaps with CyberPrêt's debt consolidation and credit intermediation offerings for French consumers.

Broad incumbents

• Boursorama Banque: Boursorama is the largest French online bank, offering mortgage, insurance, and banking products directly to consumers. It competes with CyberPrêt indirectly by enabling borrowers to bypass brokers and access mortgage products directly from a digital bank.

Others

• Crédit Logement: Crédit Logement is a major French mortgage guarantee (caution) provider used by leading banks. Listed as a CyberPrêt partner rather than competitor, it is comparable because it sits in the same French mortgage value chain CyberPrêt orchestrates.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cyberpret-com
• Facebookfacebook.com/cyberpret

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 CyberPrêt.com