Credit Middleman is a regulated and controlled profession. At Hans Lending, the strength of our network is to bring together more than 53 free brokers, who regularly pool their skills, to better serve the individual interests of borrowers. A know-how that passes by the delivery of a file “well presented” to the banking institutions .

We take care of the credit file

We take care of the credit file

Following the first appointment and the signature of the fundraising mandate, the Hans Lending brokers draw up with their client the list of supporting documents necessary to submit a complete file.

In our network, we have the particularity to request only copies that we scan , to have at all times all the elements, while avoiding any risk of loss of originals.

Once all this information carefully collected, we have all the material to tackle your credit report …

We hold the banks’ eyes on your assets

We take care of the credit file

A careful reading of these documents, we focus our research to three or four partner institutions , most likely to make an interesting loan offer.

To convince them to collaborate, the Hans Lending brokers establish different summaries to indicate all the strengths of the file:

  • The profile of the loan applicant. In their commercial line, set annually, some banks prefer categories of individuals. For example, they may decide to target first-time buyers, dynamic executives, young entrepreneurs, etc. Knowing perfectly the inclination of its various partners, our brokers choose to solicit the appropriate institutions, while highlighting the “qualities” of their client.
  • The feasibility of the credit file: again, the excellent knowledge of the functioning of its partners allows our professionals to go to the right interlocutor, while choosing to present the most significant figures for them. Some prefer, for example, to settle in relation to the debt ratio, while others would rely more on the rest to live …
  • The real estate project: on this summary, our brokers seek to secure their partners on the intrinsic quality of the purchase. For example, by offering a mortgage guarantee of an easily valued asset, the risks incurred appear to be lower.

So many levers – easily identifiable by our professionals – that can lead to the acceptance of credit.

Hans Lending brokers, definitely on your side!

Hans Lending brokers, definitely on your side!

If Hans Lending banks and brokers work together, our real estate credit experts are definitely at the service of the credit applicant.

Our role as intermediaries enables us, on the one hand, to form partnerships with lending institutions to better negotiate the rates and different terms and conditions of our clients. For their part, they appreciate our qualities as qualified businessmen, offering them valuable time savings.

But the key to the broker relationship Hans Lending / borrowers is based on the first appointment: non-binding, it is essential to build a collaboration on the foundation of trust. Before even studying your credit report, our professionals take the time to get to know you: let’s not forget that the purchase of real estate is not trivial, even less when it comes to the acquisition of his principal residence.