{"id":31554,"date":"2025-05-12T11:45:06","date_gmt":"2025-05-12T09:45:06","guid":{"rendered":"https:\/\/www.bretagne-proprietes.fr\/renegotiating-your-mortgage-insurance-to-buy-a-house\/"},"modified":"2026-09-02T14:42:24","modified_gmt":"2026-09-02T12:42:24","slug":"renegotiating-your-mortgage-insurance-to-buy-a-house","status":"publish","type":"post","link":"https:\/\/www.bretagne-proprietes.fr\/en\/renegotiating-your-mortgage-insurance-to-buy-a-house\/","title":{"rendered":"Renegotiating your mortgage insurance to buy a house"},"content":{"rendered":"\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\tSince January 2018, it has been possible to renegotiate the insurance guaranteeing a mortgage at any time.\n\nThis is a major step forward in consumer rights, as previously this option was only available during the first year.\n\nWe explain how to renegotiate your mortgage insurance and obtain an optimized budget to buy a house in Morbihan.<\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t

Why renegotiate your mortgage insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

When buying a house, the loan guarantee represents a significant portion of the budget. Having the opportunity to renegotiate your mortgage insurance allows you to save on monthly payments while obtaining a personalized contract better suited to your situation, unlike the group policies offered by financial institutions. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Conditions for renegotiating your mortgage insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

In order to carry out an insurance delegation\u2014that is, to take out a policy outside of the one offered by the bank\u2014you must find a contract that provides the same level of coverage for the same risks.<\/p>

You must send the insurance termination notice by registered mail with acknowledgment of receipt, along with the general terms and conditions of the new guarantee, two months before the contract’s anniversary date. Otherwise, the lending institution has the right to refuse the change, which could impact your ability to buy a house. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Buying a house under the best conditions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Given that it is now possible to renegotiate not only the loan itself but also the insurance policy guaranteeing it, savings can be made on the overall financing cost, potentially allowing for the purchase of a larger house. It is therefore important to carefully consider your financing plan. <\/p>

Are you planning to move and buy a house? BPS is your preferred partner in the region. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t

Find out more:<\/strong>How to finance the purchase of a second home?<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

How to renegotiate your mortgage insurance and obtain an optimized budget to buy a house?<\/p>\n","protected":false},"author":2,"featured_media":8737,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-31554","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-categorise"],"yoast_head":"\nRenegotiating your mortgage insurance to buy a house - Bretagne Propri\u00e9t\u00e9s Services - BPS IMMOBILIER<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bretagne-proprietes.fr\/en\/renegotiating-your-mortgage-insurance-to-buy-a-house\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Renegotiating your mortgage insurance to buy a house - Bretagne Propri\u00e9t\u00e9s Services - BPS IMMOBILIER\" \/>\n<meta property=\"og:description\" content=\"How to renegotiate your mortgage insurance and obtain an optimized budget to buy a house?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bretagne-proprietes.fr\/en\/renegotiating-your-mortgage-insurance-to-buy-a-house\/\" \/>\n<meta property=\"og:site_name\" content=\"Bretagne Propri\u00e9t\u00e9s Services - BPS IMMOBILIER\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-12T09:45:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-02T12:42:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.bretagne-proprietes.fr\/wp-content\/uploads\/2025\/05\/bretagne-proprietes-services-bps-agence-immobiliere-ploermel-45-Renegocier-son-assurance-emprunteur-pour-acheter-une-maison-1.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1150\" \/>\n\t<meta property=\"og:image:height\" content=\"425\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Bretagne Propri\u00e9t\u00e9s Services\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bretagne Propri\u00e9t\u00e9s Services\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/renegotiating-your-mortgage-insurance-to-buy-a-house\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/renegotiating-your-mortgage-insurance-to-buy-a-house\\\/\"},\"author\":{\"name\":\"Bretagne Propri\u00e9t\u00e9s Services\",\"@id\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/#\\\/schema\\\/person\\\/da339ee9c9d6e93da12c1a8a81afee23\"},\"headline\":\"Renegotiating your mortgage insurance to buy a house\",\"datePublished\":\"2025-05-12T09:45:06+00:00\",\"dateModified\":\"2026-09-02T12:42:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/renegotiating-your-mortgage-insurance-to-buy-a-house\\\/\"},\"wordCount\":297,\"image\":{\"@id\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/renegotiating-your-mortgage-insurance-to-buy-a-house\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/bretagne-proprietes-services-bps-agence-immobiliere-ploermel-45-Renegocier-son-assurance-emprunteur-pour-acheter-une-maison-1.webp\",\"articleSection\":[\"Non cat\u00e9goris\u00e9\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/renegotiating-your-mortgage-insurance-to-buy-a-house\\\/\",\"url\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/renegotiating-your-mortgage-insurance-to-buy-a-house\\\/\",\"name\":\"Renegotiating your mortgage insurance to buy a house - Bretagne Propri\u00e9t\u00e9s Services - BPS IMMOBILIER\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/renegotiating-your-mortgage-insurance-to-buy-a-house\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/renegotiating-your-mortgage-insurance-to-buy-a-house\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/bretagne-proprietes-services-bps-agence-immobiliere-ploermel-45-Renegocier-son-assurance-emprunteur-pour-acheter-une-maison-1.webp\",\"datePublished\":\"2025-05-12T09:45:06+00:00\",\"dateModified\":\"2026-09-02T12:42:24+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/#\\\/schema\\\/person\\\/da339ee9c9d6e93da12c1a8a81afee23\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/renegotiating-your-mortgage-insurance-to-buy-a-house\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/renegotiating-your-mortgage-insurance-to-buy-a-house\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/renegotiating-your-mortgage-insurance-to-buy-a-house\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/bretagne-proprietes-services-bps-agence-immobiliere-ploermel-45-Renegocier-son-assurance-emprunteur-pour-acheter-une-maison-1.webp\",\"contentUrl\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/bretagne-proprietes-services-bps-agence-immobiliere-ploermel-45-Renegocier-son-assurance-emprunteur-pour-acheter-une-maison-1.webp\",\"width\":1150,\"height\":425,\"caption\":\"Bretagne Proprietes Services Bps Agence Immobiliere Ploermel 45 Renegocier Son Assurance Emprunteur Pour Acheter Une Maison 1\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/renegotiating-your-mortgage-insurance-to-buy-a-house\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/home\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Renegotiating your mortgage insurance to buy a house\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/\",\"name\":\"Bretagne Propri\u00e9t\u00e9s Services - BPS IMMOBILIER\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/#\\\/schema\\\/person\\\/da339ee9c9d6e93da12c1a8a81afee23\",\"name\":\"Bretagne Propri\u00e9t\u00e9s Services\",\"url\":\"https:\\\/\\\/www.bretagne-proprietes.fr\\\/en\\\/author\\\/bretagneproprietesadmin\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Renegotiating your mortgage insurance to buy a house - Bretagne Propri\u00e9t\u00e9s Services - BPS IMMOBILIER","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.bretagne-proprietes.fr\/en\/renegotiating-your-mortgage-insurance-to-buy-a-house\/","og_locale":"en_US","og_type":"article","og_title":"Renegotiating your mortgage insurance to buy a house - Bretagne Propri\u00e9t\u00e9s Services - BPS IMMOBILIER","og_description":"How to renegotiate your mortgage insurance and obtain an optimized budget to buy a house?","og_url":"https:\/\/www.bretagne-proprietes.fr\/en\/renegotiating-your-mortgage-insurance-to-buy-a-house\/","og_site_name":"Bretagne Propri\u00e9t\u00e9s Services - BPS IMMOBILIER","article_published_time":"2025-05-12T09:45:06+00:00","article_modified_time":"2026-09-02T12:42:24+00:00","og_image":[{"width":1150,"height":425,"url":"https:\/\/www.bretagne-proprietes.fr\/wp-content\/uploads\/2025\/05\/bretagne-proprietes-services-bps-agence-immobiliere-ploermel-45-Renegocier-son-assurance-emprunteur-pour-acheter-une-maison-1.webp","type":"image\/webp"}],"author":"Bretagne Propri\u00e9t\u00e9s Services","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Bretagne Propri\u00e9t\u00e9s Services","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.bretagne-proprietes.fr\/en\/renegotiating-your-mortgage-insurance-to-buy-a-house\/#article","isPartOf":{"@id":"https:\/\/www.bretagne-proprietes.fr\/en\/renegotiating-your-mortgage-insurance-to-buy-a-house\/"},"author":{"name":"Bretagne Propri\u00e9t\u00e9s Services","@id":"https:\/\/www.bretagne-proprietes.fr\/en\/#\/schema\/person\/da339ee9c9d6e93da12c1a8a81afee23"},"headline":"Renegotiating your mortgage insurance to buy a house","datePublished":"2025-05-12T09:45:06+00:00","dateModified":"2026-09-02T12:42:24+00:00","mainEntityOfPage":{"@id":"https:\/\/www.bretagne-proprietes.fr\/en\/renegotiating-your-mortgage-insurance-to-buy-a-house\/"},"wordCount":297,"image":{"@id":"https:\/\/www.bretagne-proprietes.fr\/en\/renegotiating-your-mortgage-insurance-to-buy-a-house\/#primaryimage"},"thumbnailUrl":"https:\/\/www.bretagne-proprietes.fr\/wp-content\/uploads\/2025\/05\/bretagne-proprietes-services-bps-agence-immobiliere-ploermel-45-Renegocier-son-assurance-emprunteur-pour-acheter-une-maison-1.webp","articleSection":["Non cat\u00e9goris\u00e9"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.bretagne-proprietes.fr\/en\/renegotiating-your-mortgage-insurance-to-buy-a-house\/","url":"https:\/\/www.bretagne-proprietes.fr\/en\/renegotiating-your-mortgage-insurance-to-buy-a-house\/","name":"Renegotiating your mortgage insurance to buy a house - Bretagne Propri\u00e9t\u00e9s Services - BPS IMMOBILIER","isPartOf":{"@id":"https:\/\/www.bretagne-proprietes.fr\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.bretagne-proprietes.fr\/en\/renegotiating-your-mortgage-insurance-to-buy-a-house\/#primaryimage"},"image":{"@id":"https:\/\/www.bretagne-proprietes.fr\/en\/renegotiating-your-mortgage-insurance-to-buy-a-house\/#primaryimage"},"thumbnailUrl":"https:\/\/www.bretagne-proprietes.fr\/wp-content\/uploads\/2025\/05\/bretagne-proprietes-services-bps-agence-immobiliere-ploermel-45-Renegocier-son-assurance-emprunteur-pour-acheter-une-maison-1.webp","datePublished":"2025-05-12T09:45:06+00:00","dateModified":"2026-09-02T12:42:24+00:00","author":{"@id":"https:\/\/www.bretagne-proprietes.fr\/en\/#\/schema\/person\/da339ee9c9d6e93da12c1a8a81afee23"},"breadcrumb":{"@id":"https:\/\/www.bretagne-proprietes.fr\/en\/renegotiating-your-mortgage-insurance-to-buy-a-house\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.bretagne-proprietes.fr\/en\/renegotiating-your-mortgage-insurance-to-buy-a-house\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.bretagne-proprietes.fr\/en\/renegotiating-your-mortgage-insurance-to-buy-a-house\/#primaryimage","url":"https:\/\/www.bretagne-proprietes.fr\/wp-content\/uploads\/2025\/05\/bretagne-proprietes-services-bps-agence-immobiliere-ploermel-45-Renegocier-son-assurance-emprunteur-pour-acheter-une-maison-1.webp","contentUrl":"https:\/\/www.bretagne-proprietes.fr\/wp-content\/uploads\/2025\/05\/bretagne-proprietes-services-bps-agence-immobiliere-ploermel-45-Renegocier-son-assurance-emprunteur-pour-acheter-une-maison-1.webp","width":1150,"height":425,"caption":"Bretagne Proprietes Services Bps Agence Immobiliere Ploermel 45 Renegocier Son Assurance Emprunteur Pour Acheter Une Maison 1"},{"@type":"BreadcrumbList","@id":"https:\/\/www.bretagne-proprietes.fr\/en\/renegotiating-your-mortgage-insurance-to-buy-a-house\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.bretagne-proprietes.fr\/en\/home\/"},{"@type":"ListItem","position":2,"name":"Renegotiating your mortgage insurance to buy a house"}]},{"@type":"WebSite","@id":"https:\/\/www.bretagne-proprietes.fr\/en\/#website","url":"https:\/\/www.bretagne-proprietes.fr\/en\/","name":"Bretagne Propri\u00e9t\u00e9s Services - BPS IMMOBILIER","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.bretagne-proprietes.fr\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.bretagne-proprietes.fr\/en\/#\/schema\/person\/da339ee9c9d6e93da12c1a8a81afee23","name":"Bretagne Propri\u00e9t\u00e9s Services","url":"https:\/\/www.bretagne-proprietes.fr\/en\/author\/bretagneproprietesadmin\/"}]}},"_links":{"self":[{"href":"https:\/\/www.bretagne-proprietes.fr\/en\/wp-json\/wp\/v2\/posts\/31554","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bretagne-proprietes.fr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bretagne-proprietes.fr\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bretagne-proprietes.fr\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bretagne-proprietes.fr\/en\/wp-json\/wp\/v2\/comments?post=31554"}],"version-history":[{"count":1,"href":"https:\/\/www.bretagne-proprietes.fr\/en\/wp-json\/wp\/v2\/posts\/31554\/revisions"}],"predecessor-version":[{"id":31557,"href":"https:\/\/www.bretagne-proprietes.fr\/en\/wp-json\/wp\/v2\/posts\/31554\/revisions\/31557"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bretagne-proprietes.fr\/en\/wp-json\/wp\/v2\/media\/8737"}],"wp:attachment":[{"href":"https:\/\/www.bretagne-proprietes.fr\/en\/wp-json\/wp\/v2\/media?parent=31554"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bretagne-proprietes.fr\/en\/wp-json\/wp\/v2\/categories?post=31554"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bretagne-proprietes.fr\/en\/wp-json\/wp\/v2\/tags?post=31554"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}