MonConseiller.ai is a free online platform that quickly calculates a first‑time homebuyer’s borrowing capacity and guides them through the entire mortgage process. It automates eligibility checks, helps prepare a complete loan dossier, submits applications to multiple French banks, and compares offers, all with secure data handling and no contractual commitment.
Funding
Funding not disclosed
Founders
Product
Problem
First‑time homebuyers often cannot determine how much they can realistically borrow, struggle with incomplete loan applications, and face long waiting times from banks, leading to stress and stalled purchases.
Solution
MonConseiller.ai offers a free, secure online platform that calculates a user’s borrowing capacity in under five minutes and guides them through each step of the mortgage process. The service collects basic personal and financial information, runs automated eligibility and solvency analyses, and presents clear, jargon‑free results. It then assists users in preparing a complete loan dossier, submits it to multiple lenders, compares offers, and supports the final signing, all without any commitment or hidden fees. By providing instant insights and end‑to‑end assistance, the platform reduces uncertainty, saves time, and helps users make informed decisions about buying their first home.
Target Audience
Primary users are first‑time homebuyers in France who need clear financing guidance, including renters and young professionals planning to purchase their first property.
Features
- Instant borrowing capacity estimate based on income, assets, and market standards, delivered in under 5 minutes
- Automated solvency check and identification of key risk factors
- Guided dossier preparation with step‑by‑step instructions to ensure completeness
- Multi‑bank submission and offer comparison to identify the best loan terms
- Secure data handling with French‑hosted servers and user‑controlled data deletion
- Free access with no contractual commitment; optional paid services for deeper support