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Real estate loan broker cost: prices and essential information |

How much does a mortgage broker cost?

When you want to take out a real estate loan, it is sometimes wise to call on a broker specializing in this area. But how much can it cost? In this article, we will explore the different fees associated with using the services of a mortgage broker.

Broker’s fees

One of the main costs to consider is broker fees. In general, these fees represent a percentage of the amount borrowed. In France, the average amount of fees generally varies between 1% and 2% of the total loan amount. For example, if you borrow 200,000 euros, the broker’s fees could be between 2,000 and 4,000 euros.

It is important to note that these fees are often negotiable. It is therefore advisable to compare the offers of different brokers before making your choice. Some brokers may also offer a fixed rate rather than a percentage, which can be beneficial in some cases.

Application fee

In addition to the broker’s fees, administrative fees must also be taken into account. These fees are usually charged by the bank providing the loan and can vary from bank to bank. They cover administrative costs linked to the loan application, such as studying the file, drafting contracts, etc. The application fee is generally charged as a percentage of the amount borrowed and averages around 1% of the loan.

Brokerage fees

Some brokers may also charge additional brokerage fees. These costs are often included in the broker’s fees, but it is important to check them beforehand. They can cover the cost of additional services provided by the broker, such as finding the best loan deals, negotiating with banks, etc.

Other costs to take into account

In addition to the costs mentioned above, it is important to take into account other costs linked to a real estate loan, such as notary fees, insurance costs, guarantee costs, etc. These costs may vary depending on region, loan amount and other factors. It is therefore essential to include them in the overall calculation of the cost of the loan.


Using a mortgage broker can be a good option to find the best possible loan. However, it is important to consider the fees associated with these services. Broker fees, application fees, brokerage fees and other loan-related costs must all be taken into consideration when assessing the total cost of borrowing. It is recommended to compare offers from different brokers and negotiate fees in order to obtain the most advantageous conditions.

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