RFP helps you finance or refinance your property by negotiating not a loan, but THE loan that fits your situation best. RFP can operate for projects of around €5 million and above.
“Le métier de conseil et courtage en gros prêts immobiliers sur mesure, tel que pratiqué par RFP, s'apparente à celui d'un architecte, dans le sens où tous deux ne se concentrent pas uniquement sur le prix, mais cherchent à offrir une solution parfaitement adaptée aux besoins uniques de leurs clients. Pour construire une maison, plutôt que de s’adresser à un constructeur (ou « banque ») et choisir entre 2 ou 3 modèles de maisons (ou types de prêt), le client a la possibilité de s’adresser à un architecte (RFP) qui concevra une maison (le prêt) avec des plans tenant compte de critères esthétiques, techniques et fonctionnels propres à chaque client (ses environnements financiers, juridiques, fiscaux et patrimoniaux). Dans un second temps, différentes sociétés de construction (ou banques) seront approchées pour construire selon ces plans aux meilleures conditions.”
Thus, RFP specialises in financial strategy consulting for international and French investors who want to purchase or refinance properties in France, mostly on the French Riviera and in Paris.
Mortgages can bring leverage but other numerous benefits as well.
RFP often assists clients who can afford purchasing a property upfront but who can have an interest in buying with a loan.
The mortgage is thus used as a real asset management tool and its features will depend on the client's objectives and environment: family, business, legal, financial and taxes.
The mission of RFP is to identify these parameters, prioritize and then design and set up the best tailor-made mortgage loan.
These features are:
- the duration of the loan
- the nature and amount of the guarantees
- the currency
- the repayment possibilities
- with or without death/disability insurance
- the type: with amortization, interest-only, hybrid, with custom amortization
The financial culture is different from one country to another: thanks to its network of more than 50 partners in 7 European countries and its unique know-how, RFP is able to take advantage of these differences to the benefit of the client.
RFP was created in 2003 and since then, 100% of our clients were referred to us.
RFP has developed a unique method in order to provide high quality advice and work 100% at the client's side:
- RFP does not receive any commission from the banks in order not to be liable to them in any way. The only fee we get is from the client: our interests are aligned.
- Our fee is a success fee, paid when the mission is finished.
- Our mandate is non-exclusive and revocable at any time because at RFP, we are convinced that our work brings real value to our clients.
- RFP works in total transparency with its clients, and expects the same from them.
The founder
Yves Derrien has worked as an international private banker in Monaco and Switzerland, and as a mortgage broker and a financial strategy advisor for ultra high net worth individuals for more than 35 years.
Yves knows perfectly how the banks work behind closed doors. He is fluent in French, English and German.
RFP has built a strong network of experienced specialised professionals such as lawyers, notaries, accountants, insurers and so on. They are at our clients' disposal to bring them an optimal service.
Case studies
RFP sources mortgage loans for international private individuals purchasing properties in France. Here are some examples of solutions we provided our clients with.
