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Become a homeowner with solid financing
Purchase, construction or renovation — GFC Group finances your real estate project at the best market conditions.
Discover
The GFC Real Estate Loan
Buying real estate is one of the most important projects in your life. At GFC Group, our real estate financing experts support you in finding the solution best suited to your situation: rate, term, insurance.
Whether you are a first-time buyer, an investor or wish to build, our real estate loan adapts to your profile with transparent and competitive conditions.
Your home, our commitment
Projects completed
%
Homeowner clients
96% of our customers who took out a GFC real estate loan completed their project on schedule
Why choose the GFC Real Estate Loan?
Concrete benefits to achieve your project with peace of mind.
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Among the lowest rates
We negotiate the best rate conditions for you through our financial partnerships.
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Quick preliminary response
Get a preliminary agreement within 48 hours of submitting your complete file.
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Borrower insurance included
Protect your family with our death-disability insurance integrated at competitive rates.
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Duration up to 30 years
Spread your repayment over a long period for monthly payments suited to your budget.
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Payment modulation
Increase or reduce your monthly payments according to your income changes, without additional fees.
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Dedicated advisor
A GFC real estate expert follows you from simulation to signing at the notary's office.
Who can get a GFC Real Estate Loan?
Accessible conditions for first-time buyers and investors alike.
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Stable income
Be in permanent employment, a civil servant, or self-employed with at least 2 years of proven activity.
- 2
Minimum contribution
A personal contribution of at least 10% of the property price is recommended to obtain the best rates.
- 3
Debt ratio
Your total monthly payments (including mortgage) must not exceed 35% of your net income.
- 4
Identified property
For a firm request, a sales agreement or building permit is required.
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kReal estate loans granted in the last 12 months
Required documents for your application
A well-prepared file significantly speeds up obtaining your loan.
Valid identity document
Proof of address
Proof of income
Property documents
Bank statements (last 3 months)
Proof of personal contribution
Real estate loan rates and conditions
Competitive and transparent rates for your real estate investment.
Interest rate according to term |
Loan term
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Fixed rate (APR)
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Fees and conditions |
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Questions & Answers
Everything you need to know about the GFC real estate loan.
Find your answer
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Can I borrow without a down payment?
This is possible depending on your profile. However, a down payment of at least 10% allows you to obtain better rate and insurance conditions.
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What is the maximum repayment period?
You can spread your repayment over up to 30 years. The optimal term depends on your age, your income and the amount borrowed.
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Is borrower insurance mandatory?
Yes, borrower insurance is required for any real estate loan. It covers the risks of death and disability during the entire loan period.
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Can I buy as a couple or in co-ownership?
Yes, a real estate loan can be taken out by two people (married couple, PACS or common-law couple) or in co-ownership. Each co-borrower is jointly and severally liable for repayment.
Do you have other questions? Get In Touch and a GFC real estate expert will respond to you quickly.
