Credit Advisor - Expert en Prêt Immobilier

What Credit Advisor - Expert en Prêt Immobilier does

Credit Advisor SAS is an independent mortgage brokerage (courtier en prêt immobilier) founded in 2016 and headquartered in Paris, France, serving individual homebuyers, property investors, and self-directed borrowers in the Île-de-France region. The firm operates under ORIAS registration 16003461 and ACPR supervision, intermediating between borrowers and a network of seven banking partners (BNP Paribas, Société Générale, LCL, Crédit du Nord, BRED, Caisse d'Épargne, CCF) and seven-plus insurance partners (Allianz, CNP, Generali, Cardif, AXA, MetLife, AFI Esca, MNCap). Revenue is generated exclusively through success-based commissions, capped at 0.7% of the financed amount under Article R519-30 of the French Monetary and Financial Code, with payment triggered only upon fund disbursement. The firm also earns insurance intermediation commissions on bundled borrower insurance.

The company's product surface centers on the proprietary ERNESTO simulator, launched in 2018 and branded as the first certified, evolutive mortgage simulator, which delivers immediate rate, capacity, and feasibility responses and produces a downloadable solvency certificate usable by buyers during property negotiations. Distribution occurs through a hybrid inside-sales and product-led motion: phone and in-person advisory (reachable Monday-Friday 9am-7pm, with a 24-hour appointment guarantee and a 10-day loan approval SLA), self-service simulation via web and native iOS/Android applications, and partner referrals embedded into real estate agent websites. The Campus Credit Advisor educational platform, also launched in 2018, offers seven free lessons on mortgage negotiation and serves a top-of-funnel content marketing function. The company maintains no capital ties to any banking or insurance partner, with a registered capital of €10,000 and 14 employees as of the available data.

Name

Credit Advisor - Expert en Prêt Immobilier

Legal name

CREDIT ADVISOR SAS

Website

https://creditadvisor.fr

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Credit Advisor is an independent Paris-based mortgage brokerage serving individual homebuyers and property investors across the Île-de-France region. It uses its proprietary ERNESTO simulator and a 7-bank, 7-insurer partner network to negotiate mortgage and insurance terms, earning commission only upon successful loan disbursement.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

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

SIC

Loan Brokers (6163)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

akta.pro secondary industry

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

Keywords

• Mortgage brokerage
• Loan intermediation
• Credit advisory
• Borrower insurance
• Loan renegotiation

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, Others

Revenue model

1. Mortgage Intermediation Commission: Credit Advisor earns a commission from banking partners for facilitating mortgage loans. The fee is calculated as 0.7% maximum of the financed sum, subject to a ceiling. Fees are only charged upon successful loan disbursement, not upon acceptance of the negotiated offer.
2. Insurance Intermediation Commission: Credit Advisor earns commissions from insurance partners (borrower insurance) as part of the bundled mortgage service. The company negotiates insurance on behalf of clients, selecting providers offering the best coverage-to-price ratio.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Credit Advisor is an independent mortgage brokerage that negotiates mortgage loans, loan renegotiations, and borrower insurance on behalf of individual clients in the Île-de-France region of France. The firm places client files with a panel of 17+ partner banks and 6+ insurance providers, accompanying borrowers from initial simulation through fund disbursement, and earns commissions from these partners rather than fees from clients.

Product overview

Credit Advisor is an independent mortgage brokerage firm offering a unified service platform centered on its certified Simulateur ERNESTO simulator, complemented by free DIY training courses. The core offering consists of mortgage brokerage services including loan simulation, negotiation, renegotiation, and loan insurance services. The company provides specialized financing for primary residences, secondary homes, rental properties, tax optimization investments, and SCPI investments. All services are delivered through dedicated personal advisors who accompany clients from initial contact through fund disbursement, with guaranteed best market rates and results-based compensation.

Differentiator

Problem solved

Functional benefit

Brands

• ERNESTO: The first certified, scalable mortgage simulator providing immediate response for loan applications
• Campus Credit Advisor

Products and services

• Courtage en Prêt Immobilier (Mortgage Brokerage) End-to-end mortgage intermediation service for individual borrowers in France, comparing rates and conditions across 17+ partner banks and accompanying clients through simulation, dossier assembly, negotiation, signed offer, and fund disbursement. Targeted at individual buyers and investors seeking the best financing conditions without approaching banks independently.
• Renégociation de Crédit (Loan Renegotiation) Service for existing borrowers seeking to renegotiate their mortgage terms, lower their rate, reduce monthly payments, or adjust loan duration by leveraging the firm's relationships with 17+ partner banks. Aimed at current mortgage holders in France whose loan conditions no longer align with current market rates.
• Négociation d'Assurance de Prêt (Borrower Insurance Negotiation) Specialized service negotiating borrower insurance contracts on behalf of clients with 6+ insurance partners, including delegation of insurance (délégation d'assurance) outside bank groups to optimize coverage and cost. Targeted at French mortgage borrowers seeking to reduce insurance costs or improve coverage terms.
• Financement Résidence Principale, Secondaire et Locative (Primary, Secondary, and Rental Residence Financing) Mortgage brokerage service tailored to financing the acquisition of a primary residence, secondary residence, or rental investment property, with advisor guidance through partner bank selection and conditions.
• Financement Investissements de Défiscalisation (Tax Optimization Investment Financing) Mortgage brokerage service specialized in financing tax-optimized real estate investments such as Pinel, Denormandie, and other French tax-incentive schemes, with advisor coordination of bank selection aligned to investment structure.
• Financement SCPI (SCPI Investment Financing) Mortgage brokerage service dedicated to financing acquisitions of SCPI (Société Civile de Placement Immobilier) units, with advisor support in securing partner bank financing for these paper-based real estate investments.

Quantifiable outcome

• Loan approval within 10 days of complete file submission
• +2 more outcomes

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Vousfinancer: Major French mortgage broker operating a network of regional agencies with the same bank-partner intermediation model. Closely comparable to Credit Advisor on revenue model, target customer (individual homebuyers), and growth playbook.
• Meilleurtaux: Established French mortgage and savings broker with comparison tools plus in-house advisor desks. Competes with Credit Advisor on both the lead-capture side (online rate comparison) and the advisory/conversion side.
• Pretto: Digital-first French mortgage broker offering a fully online file-building experience plus assigned advisor support. Most comparable to Credit Advisor on PLG-style acquisition (ERNESTO-style simulator) while operating at a larger scale.
• Artémis Courtage: Independent French mortgage broker providing the same personal-advisor-led intermediation service across bank and insurer partnerships. Closely comparable business model and client experience.
• Hello Prêt: Paris-based independent mortgage broker offering personal-advisor-led service with multi-bank and multi-insurer comparisons. Comparable regional focus, intermediary model, and customer segment to Credit Advisor.
• CAFPI: France's largest independent mortgage brokerage with a national network of 200+ agencies. Operates the same intermediation commission model between borrowers and retail banks, and competes head-to-head with Credit Advisor for Île-de-France origination volume.
• Magnolia Courtage: Independent French mortgage broker focused on individual borrowers with personalized advisor accompaniment. Same regulatory framework (ORIAS/ACPR), same partnership-driven model, and overlapping geographic coverage.
• Emprunt Direct: Independent French mortgage broker with both online simulation tools and in-house advisor coverage. Comparable business model combining digital lead capture with personalized bank negotiations.

Emerging players

• Empruntis: French online loan comparison platform that drives borrower leads to partner brokers. Overlaps with Credit Advisor on the top-of-funnel lead generation and rate-comparison user experience, but operates as a lead-generation intermediary rather than a full-service broker.

Broad incumbents

• BoursoBank (Boursorama Banque): Largest online bank in France (Société Générale group) offering direct mortgage origination as part of a full banking product portfolio. Represents the disintermediation channel that competes with brokers like Credit Advisor by capturing borrowers who bypass intermediaries.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/credit-advisor

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Credit Advisor - Expert en Prêt Immobilier