Renegotiating or refinancing your mortgage
Two routes that do not cost the same, an exit charge bounded by two cumulative ceilings of which the lower prevails, three situations that cancel it, and a gain measured in euros and never in rate points. Three modules built on €148,000 of capital outstanding and a €5,600 net gain. All the prose is free to read; only the quizzes are sold.
Intermediate3 modules24 minModule 1 free to read
2026 rules — verified on September 11, 2026
Figures are tied to dated, sourced tax constants. A module whose rules have changed is flagged for review, and is unpublished automatically beyond 90 days.
By the end of this course, you can…
These outcomes are the modules' own: the promise cannot say anything the course does not teach.
- Tell apart renegotiation and refinancing, and what each one costs
- Identify the fees specific to each route
- Compare two offers on the right indicator
- Compute the ceiling applying to an early repayment charge
- Identify the three cases where no charge is owed
- Make the repayment request in the proper form
- Set out the computation of the net gain of an operation
- Place the three conditions that generally make it worthwhile
- Check that the rate proposed stays within statutory limits
The programme, module by module
Each module has its own page. Durations are derived from the actual text, never announced by hand.
- Module 18 minFree — no accountRenegotiating with your bank or refinancing elsewhereWhat you will be able to do
- Tell apart renegotiation and refinancing, and what each one costs
- Identify the fees specific to each route
- Compare two offers on the right indicator
- Module 28 minIncluded in the full courseThe cost of leavingWhat you will be able to do
- Compute the ceiling applying to an early repayment charge
- Identify the three cases where no charge is owed
- Make the repayment request in the proper form
- Module 38 minIncluded in the full courseMeasuring the real gainWhat you will be able to do
- Set out the computation of the net gain of an operation
- Place the three conditions that generally make it worthwhile
- Check that the rate proposed stays within statutory limits
What you take away
A handout you keep, not just a page you read. The sections are derived from the course itself: what is announced here is exactly what gets generated.
Participant handout (PDF)
PDF
- Learning objectives (3)
- Key figures (3)
- Mistakes to avoid (3)
- Official sources (3)
Exercise workbook (Word)
Word
- Learning objectives (3)
- Key figures (3)
- Mistakes to avoid (3)
- Official sources (3)
Answers live in a separate appendix: the participant handout and the workbook stay distributable before the exercise.
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Where this course leads
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Educational content, current with the sources cited. It does not replace advice tailored to your situation. These courses are neither certifying nor CPF-eligible: they prepare for no certification registered with the French RNCP or specific register.