Meilleurtaux review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Meilleurtaux has brokered French mortgages since 1999, and it suits buyers and remortgagers who want a low fixed rate with no fee of their own. The advertised initial rate is 3.11%, fixed for 15 years, and the broker places files for purchase, remortgage and first time buyer.

Key facts

Best for
A low fixed rate on a French mortgage with the arrangement cost carried by the bank partner.
Initial rate
3.11% (Source, checked September 26, 2026)
Fixed period
15 years (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer, Buy-to-let (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Meilleurtaux SAS (Source, checked September 26, 2026)
Headquarters
France (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Official website
meilleurtaux.com

Loans

APR
3.11% to 3.73% (Source, checked September 26, 2026)
Term
60 to 324 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR charged to the borrower; paid by the bank partner (Source, checked September 26, 2026)
Representative example
Mortgage loan of 200,000 EUR over 15 years at 3.58%: monthly payment 1,494 EUR, total cost of credit 68,974 EUR (25 years at 3.73%: 1,083 EUR monthly, 124,826 EUR total) (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
No legal minimum age for taking out a mortgage in France, subject to borrower insurance and end-of-loan age; 35% debt-to-income recommended by the HCSF; customers in France, with dedicated offers for Belgium and Luxembourg (Source, checked September 26, 2026)
Origination fee (%)
0.3% (Source, checked September 26, 2026)
Loan types
Secured, Personal, Car, Credit-line, Debt-consolidation, Bridging, Business (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Meilleurtaux SAS (Source, checked September 26, 2026)
Headquarters
France (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Features
Credit line

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataXTrustpilot

Pros and cons

Pros

  • Arrangement costs of 0.3% are met by the bank partner rather than charged to the borrower, and the product fee is €0.
  • A 15 year fixed period, longer than the 10 median in the mortgage ranking.
  • Lending runs well past mortgages: secured, personal and car.
  • Help is available on phone, email and help centre while a file is being put together.

Cons

  • Free early repayment is not offered, so capital paid over early normally carries a charge.
  • Meilleurtaux is a broker, so the rate and the approval come from a bank partner rather than from one named lender.
  • Contact options are limited to phone, email and help centre.
Meilleurtaux

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Buyers and remortgagers in France who want purchase, remortgage and first time buyer lending placed by a broker.
  • Borrowers who value a long fixed period and terms of 60 to 324 months.
  • Anyone planning home improvement work, since home improvement is a listed use case.

Who should look elsewhere

  • Sofkredit, whose initial rates of 8% to 14% sit far above the 3.11% on offer here.
  • Prestalo, whose published initial rate of 2.36% undercuts this broker for readers comparing across markets.
  • Creditilia ES, where a single initial rate of 4% is dearer than the 3.11% quoted here.

How your money is protected

Meilleurtaux is a broker, so it is registered with ORIAS under number 07 022 955. Because it places applications with bank partners, the mortgage contract and any deposit are handled by the lender you are matched to rather than by the broker. The ORIAS entry is the place to check the intermediary's status before you sign anything.

How Meilleurtaux compares

Where Meilleurtaux is available

Available
Belgium, France, Luxembourg
Licence in France
ORIAS (07 022 955), checked September 26, 2026
Licence in France
ACPR, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Meilleurtaux quote on a mortgage?+

The advertised initial rate is 3.11%, and the rate range it publishes runs 3.11% to 3.73%. That rate holds for 15 years, which is longer than the 10 median in the mortgage ranking. The final price is set by the bank partner behind the file.

What fees do I pay, and does the broker take a cut?+

The charge to the borrower is 0 EUR charged to the borrower; paid by the bank partner and the product fee is €0, so nothing is billed for arranging the loan. Meilleurtaux works as a broker, and the arrangement cost of 0.3% comes from the bank partner rather than from you.

How long can the mortgage run?+

Terms run 60 to 324 months, covering short repayment periods through to long ones. A worked example on a mid sized mortgage sets out a monthly payment and a total cost of credit over the full term, so the total figure is worth reading alongside the monthly one.

Is Meilleurtaux regulated?+

Meilleurtaux SAS holds an ORIAS registration, number 07 022 955, as a mortgage broker, and its headquarters are in France. Because it is an intermediary rather than the lender, the bank partner that grants the loan is the party bound by the contract.

Can I repay the mortgage early?+

Free early repayment is not available, so capital paid over early normally carries a charge. That makes the 15 year fixed period the natural stretch for keeping the loan in place, and any planned sale inside that window is worth raising with the partner bank first.

What other loans does it arrange?+

Alongside mortgages written for purchase, remortgage and first time buyer, Meilleurtaux places secured, personal and car. A credit line is available as well, and home improvement projects are a stated use case, so one broker can cover both the property purchase and the work done on it afterwards.

How do I get help while the file is open?+

Support runs on phone, email and help centre, so a broker can be reached by phone or email once a file is being assembled, with a help centre for anything you would rather read yourself. The team sits in FR and works with bank partners in France, Belgium and Luxembourg.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APRC, Maximum loan to value.

Meilleurtaux

Meilleurtaux

A low fixed rate on a French mortgage with the arrangement cost carried by the bank partner.

9.1/10See alternatives

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