How to renegotiate or obtain the repurchase of your mortgage?

Verified 16 September 2026 - Public Service / (Prime Minister)

You can renegotiate your mortgage with the lending institution that granted it to you (bank or financing business) to obtain more favorable borrowing conditions, when interest rates fall. If you decide to renegotiate your credit with another organization, then we are talking about buy-back of mortgages. We present you the information to know.

You can renegotiate your mortgage with the lending institution (for example, the bank) that granted it.

If the lender accepts your request, you will be able to obtain better loan terms with a interest rate weaker than originally.

This can result in:

Either by lower monthly loan payments (the amount to be repaid each month is lower),
Either by a shorter repayment period (the number of refunds to be made is lower).

This amendment must be mentioned in a endorsement the original loan agreement. The endorsement must be made out on paper or on another durable medium (for example, in your personal space on the bank's website).

But renegotiating your mortgage can incur costs:

The lending organization may ask you for contract amendment fee in return for the study of your application and the mounting of the credit.
When your credit is guaranteed by a mortgage, the result of the renegotiation (change in the interest rate or the term of repayment of the loan) must be entered in the land advertising service by one notary.

The content of the amendment depends on the nature of the mortgage:

Fixed-rate credit

The endorsement shall include the following information:

A schedule of depreciation detailing for each maturity the capital remaining due in the event of early repayment,
The annual percentage rate of charge (TAEG) and the cost of the credit on the basis of future fees and maturities only.

Variable rate credit

The endorsement shall include the following information:

A schedule detailing for each maturity the capital remaining due in the event of early repayment,
The annual percentage rate of charge (TAEG) and the cost of credit, calculated on the basis of future charges and maturities only until the date of the interest rate revision,
The conditions and modes of variation of the interest rate.

Whatever type of credit you want to take, you have an incompressible cooling-off period of 10 calendar days from the receipt of the information mentioned in the addendum.

To accept the amendment, you must sign it and then send it to the new lending agency after the 10-year deadline calendar days. You can send it in one of the following ways:

Either by letter, the postmark being authentic.
Either by any other means. This means must be agreed between you and the new lender. It must make it possible to make certain the date of your acceptance.

To refuse the endorsement, just don't send it to the new lender.

You can have your mortgage repurchased by a lending organization (bank or financing business), different from the one that granted you the credit.

You will need to sign a new loan agreement with this new lender.

In general, you will have to pay the following fees:

For the original credit, early redemption benefits (penalties). If this credit were guaranteed by a mortgage, you may have to pay mortgage release fee.
For the opening of the new credit, administration fees and guarantee fees (generally, bank guarantee or mortgage).

The new lender may also require you to take a new loan borrower insurance.

To avoid being a victim of a credit forgery scam, you can check that the lender you are approaching is authorized to offer credit in France, by consulting the following registers:

For banking institutions, the Register of Authorized Financial Agents (REGAFI)
For insurance or banking intermediaries, the register of ORIAS.

You can also check that your contact person and his email address belong to the lending organization from which he claims. This is to verify that your alleged interlocutor has not been the victim of a identity theft.

To do this, you must search for their contact details on the official website of the lending organization, then call or write to them using the contact details that are mentioned on the official website of the lending organization.