Your mortgage, handled by experts.
Opulanz gathers your financial profile and supporting documents, then submits your case to our partner bank network in Luxembourg and France, so you receive suitable offers available from the institutions consulted, without the paperwork burden.
Mortgage Services
A trusted bridge to conditions suited to your profile and project
As a regulated credit intermediary, we work on your behalf to submit your dossier to our network of partner banks in Luxembourg and France, so you can compare suitable offers available from the institutions consulted, without the administrative burden.
Why Opulanz for your mortgage?
19+ years of European financial services expertise
Access to multiple partner banks simultaneously
Cross-border and non-resident case specialists
Encrypted document handling with full GDPR compliance
Live case tracking from document upload to signed offer
The Process
Four steps to your mortgage offer
Pre-Qualification
Tell us about your project. property type, price, contribution, income, and employment. We review your eligibility before any bank is contacted.
Document Collection
Upload your supporting documents securely. Your file is automatically checked against our bank-ready checklist.
Bank Submission
With your consent, your complete file is transmitted to partner banks. encrypted, compliant, and fully confidential.
Offer and Signature
Receive bank offers in your Opulanz dashboard. Compare, choose the best option, and proceed to signature.
Why Choose Us
Professional mortgage brokerage expertise
As a regulated credit intermediary, we provide expert guidance and multi-bank access for your property financing in Luxembourg and France.
Local Expertise
Deep knowledge of lending requirements in Luxembourg and France, including cross-border and non-resident profiles.
Secure and GDPR
Documents encrypted on Azure infrastructure, processed in full GDPR compliance, and purged after completion.
Multi-Bank Access
Simultaneous submission to multiple partner banks to maximise your chances and compare competitive terms among the institutions consulted.
Live Case Tracking
Follow every step of your application, from document upload to signed offer, directly in your Opulanz account.
What can you afford to borrow?
Adjust the inputs to get an instant estimate of your borrowing capacity and monthly payments.
Applicant
Loan details
Down payment starting from 15%.
Down payment may not be needed if you collateralize your own property.
Property budget
€322'286
Loan + your contribution of €50'000
Max loan
€272'286
Monthly payment
€1'650
per month
Ready to apply? Start your file — our advisors will handle the rest.
Start your application →* The 33% debt-service ratio used in this simulator is an internal indicative assumption and not a regulatory ceiling. Actual lending criteria vary according to the lender, jurisdiction, borrower profile and type of financing. Opulanz acts as a regulated credit intermediary (ORIAS n°21003660).
Unlock Liquidity from Your Portfolio — Without Liquidating It
A Lombard facility allows you to borrow against the value of your investment portfolio, giving you access to capital while your assets remain invested and your long-term strategy stays intact.
Our Role
Opulanz acts as a regulated credit intermediary. We structure your application, present your file to our network of partner banks across Luxembourg and France, and guide you through a comparison of available terms. The credit facility is extended by the selected lending institution — not by Opulanz.
Common Applications
- Financing a real estate acquisition without disrupting your investment portfolio
- Addressing a short-term liquidity requirement
- Funding a business venture or a time-sensitive investment opportunity
- Optimising cash flow without triggering a taxable disposal event
Facility Characteristics
- Secured credit line against eligible securities — equities, bonds and investment funds
- Advance rate determined by the nature and credit quality of the pledged assets
- Flexible drawdown and repayment schedule tailored to your needs
- Interest accrues only on amounts actually drawn
Risk Disclosure — Please Read Before Proceeding
A Lombard facility carries material risk. Should the market value of your pledged portfolio decline, the lending bank may issue a margin call, requiring you to post additional collateral or partially repay the outstanding balance. Failure to meet a margin call may result in the forced sale of your securities, potentially at an inopportune time and below fair value. Interest rates are subject to change. Leverage amplifies both investment gains and losses. This facility may not be appropriate for all investors; suitability is assessed on the specific composition and quality of your portfolio.
Opulanz acts as a credit intermediary and not as a lender. All credit facilities are subject to the approval and conditions of the lending institution. Where the financing relates to an investment strategy, advisory services are provided in our capacity as a registered Financial Investment Advisor (CIF). Advensys Insurance-Finance SARL — ORIAS n° 21003660 — operates as a broker under ACPR oversight and as a CIF member of La Compagnie CIF, under the supervision of the AMF.
Ready to start your mortgage application?
Submit your application online in a few minutes. Our team will review your file and contact you within 24 hours to discuss next steps.
GDPR Secure
No Commitment
Opulanz acts as a credit intermediary and not as a lender. Mortgage financing is subject to bank approval and standard credit conditions. ORIAS n° 21003660