A wealth loan tailored and secured against all of your assets
Financing from €1M
Rates from 4.5%
Guarantee over your property, assets placed with the lender
The Wealth Loan in figures
Mobilise your wealth without selling it, for a major project
The Wealth Loan is intended for holders of substantial wealth: individuals, holding companies and family holding companies, whether resident or non-resident.
It finances a project from €1M by drawing on all of your assets, property and financial, whereas a standard mortgage loan looks at only a single property.
Invest
Property acquisition
Estate Transfer
Gifts
Tax debt
Equalisation payment
Current account
Holding company and SCI (société civile immobilière)
Cash
Wealth reorganisation
Structured financing
built around your overall wealth
The wealth loan is not a standard product: each file is structured with our partner banks, according to your assets, your income and your project. Hyppo prepares the file, negotiates and supports you until the funds are released.
Large amounts:
from €1M
The financing is secured against all of your wealth, property and financial, in France and abroad. We source the solution from our partner banks for individuals, holding companies and family holding companies (SCI, family SARL), with an amortising or interest-only structure.
Property guarantee and assets placed with the lender
The bank takes a guarantee over one or more residential or commercial properties in mainland France. In return for the financing, part of your financial assets is placed with the lending bank: this is what makes it possible to obtain terms and amounts that a standard mortgage loan cannot offer.
A tailored study and a dedicated contact
Describe your project by clicking on ‘Get started’. A Hyppo adviser analyses your situation, builds the structure and presents it to the partner banks best suited to your profile.
Who can benefit from the Wealth Loan?
You must meet several conditions to be eligible:
You hold substantial wealth
You have a project from €1M
You are resident or non-resident
Finance a major project without selling your assets
Do you have questions?
As a guide, as at 9 November 2026, the wealth loan starts from 4.5%, excluding insurance. The exact rate depends on the assets placed with the bank, the term, the structure (amortising or interest-only) and the lender selected; it is set when the file is reviewed.
The lending bank asks that part of your financial assets (investments, life insurance, managed portfolios) be entrusted to it for the term of the loan. This overall relationship is what allows it to grant amounts and terms that a standard mortgage loan, secured on a single property, cannot offer.
No. The wealth loan is open to residents and non-residents alike, whether individuals, holding companies or family holding companies, provided the guarantee is taken over a property in mainland France and part of the assets can be placed with the lending bank.
An equity release loan finances €100k to €2M against the value of one property, with no assets placed with the lender. The wealth loan finances from €1M by drawing on your overall wealth, property and financial, in France and abroad, with assets placed with the bank.
Yes. As with any loan, the bank checks that your income and assets can meet the repayments, whether amortising or interest-only. The guarantee and the placed assets do not replace solvency.
