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Pretto

French mortgage brokerage fintech founded in 2016 by Pierre Chapon and Renaud Pestre

Founded in
2016
Headquarters
42 rue de Paradis, 75010 Paris, France

Overview

French mortgage brokerage fintech founded in 2016 by Pierre Chapon and Renaud Pestre, operating under the legal name Finspot (also known under the Oleen and Pretto brands). The platform offers a fully online journey to simplify and bring more transparency to securing a home loan by putting more than 125 partner banks in competition across the whole of France. Pretto stands out with a capped and transparent pricing policy: the bank rebate is strictly limited to between 2,000 and 5,000 euros per case, representing roughly 0.5% of the borrowed amount, and applies only if the loan is actually signed. No fees are charged before the financing is secured, ensuring the broker's interests are fully aligned with those of the borrower. The platform boasts an outstanding rating of 4.9 out of 5 based on nearly 15,000 verified customer reviews and claims potential savings of up to 10,000 euros on the total cost of the mortgage. Each borrower is supported by a dedicated expert who analyses their profile, optimises their application and negotiates the best terms with the banks. Pretto also handles complex profiles such as self-employed professionals, buy-to-let investors and borrowers close to the maximum debt-to-income ratio. Rating of 4.9/5 across 15,000 customer reviews, 125+ partner banks, potential savings of up to 10,000 EUR, commission capped at 2,000-5,000 EUR, founded in 2016 by Pierre Chapon and Renaud Pestre

Full transparency on the pricing structure with commissions strictly capped between 2,000 and 5,000 euros

Key features

No upfront fees: payment only when the mortgage is actually secured

Advertised potential savings of up to 10,000 euros on the total cost of the mortgage

In-depth review of the application to optimise the borrower's profile before presenting it to banks

Adapted to a range of profiles: buy-to-let investment, independent professionals, first-time buyers, irregular income

Commission capped between 2,000 and 5,000 euros, representing roughly 0.5% of the borrowed amount

Rating of 4.9/5 across nearly 15,000 verified customer reviews reflecting borrower satisfaction

Fully digital journey with real-time tracking of the application's progress

Pricing

Who is it for?

First-time buyers purchasing their first property and discovering the financing processBuy-to-let investors looking to optimise their financing and maximise their returnsSelf-employed workers and independent professionals with irregular income requiring a tailored structureIndividuals wanting to secure the best loan terms with full transparency on feesBorrowers wanting to refinance their existing loan to benefit from more favourable terms

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