CHOICE OF LANGUAGE (FR/EN/NO/SV/DE/PL):
CHOICE OF LANGUAGE (FR/EN/NO/SV/DE/PL):
23 juillet 2025
Dreaming of owning an apartment or a house on the French Riviera? To make that dream a reality, a mortgage loan remains an essential tool. Should you go through a broker, your own bank, or a foreign bank? Fixed or variable rate? Here’s what you need to know to finance your purchase under the best possible conditions.
Working with a mortgage broker can save you valuable time. They negotiate on your behalf, compare offers from various banks, and help you secure an attractive interest rate. While this service has a cost—either direct or built into the loan fees—it is often offset by the savings achieved.
Prefer to manage everything yourself? That’s possible, as long as you’re willing to invest a bit of time. Start by consulting your own bank, but don’t hesitate to look further—other institutions may offer more competitive terms to win you over as a new customer.
While often less aggressive on interest rates, foreign banks can offer more flexibility: deferred repayments, loans without mandatory insurance, longer durations… This could be a viable option depending on your profile.
In France, 97% of borrowers choose a fixed rate—offering peace of mind and predictable monthly payments, a major advantage in uncertain times. In other countries, such as in Scandinavia, variable rates are far more popular due to their flexibility and the absence of penalties for early repayment.
Banks can provide a loan simulation to help you assess your budget. However, a full review of your application will only take place after signing a preliminary sales agreement. Expect 6 to 8 weeks to receive an official response.
On July 3rd 2023, we moved into our new premises, ideally located in the heart of Juan-les-Pins, on the charming pedestrian street just steps from La Pinède and the iconic Cap d’Antibes. A vibrant, dynamic, and exceptional location—perfect for buying a property or an apartment in Antibes… and a real pleasure to work in every day!
Thanks to this strategic location, we efficiently cover the entire region: Antibes, Juan-les-Pins, Golfe-Juan, Biot, Valbonne, Roquefort-les-Pins, Cagnes-sur-Mer... Perfectly situated between Nice and Cannes, it’s a major advantage in helping our clients achieve their property goals across the French Riviera.
Juan-les-Pins maintains a village-like atmosphere, lively from morning until late at night, where shopkeepers, locals, and visitors mingle in a warm, welcoming ambiance. It’s a real joy to welcome our clients here—over a coffee… or a glass of rosé de Provence!
Many people hold fond youth memories of Juan-les-Pins, adding to the legendary image of the French Riviera. At AAA Riviera, we are proud to contribute to this beautiful story, helping people every day who dream of buying a home or apartment on the Côte d’Azur.
At AAA Riviera, our team now includes 12 passionate professionals. This month, we are delighted to introduce two of the agency’s key personalities: Marie-Claire and Beata.
Marie-Claire has been part of the AAA Riviera journey for over six years. She holds a key role as administrative manager. But don’t let the serious title fool you—behind it is a whirlwind of efficiency… and good humour! Marie-Claire handles the most complex administrative processes with irresistible wit. She can make even the strictest tax officials smile, defuse the toughest building administrators and even lighten the mood at Orange’s customer service—now that’s a real feat ! Thanks to her, our clients’ administrative challenges are always met with swift, efficient solutions.
Beata, on the other hand, joined us when we opened our Juan-les-Pins agency two years ago. She radiates the sunshine of the Riviera and charms everyone with her natural joy, kindness, and contagious optimism! Based in Montauroux, she knows the Var region inside out, as well as the entire area from Menton to Cannes Mandelieu. Of Polish origin, she works closely with Polish clients looking to buy a home on the Riviera. Her deep understanding of the local market and ability to build trusted relationships are true assets.
At AAA Riviera, we’re fortunate to have talents like Marie-Claire and Beata, who embody our commitment every day: professionalism, a personal touch… and a dash of humor!
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