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In France, 85% of seniors want to retire at home, but 1 in 2 retirees encounter financial difficulties. Paradoxically, 81% of retirees own their home, representing a largely underused source of financing.
The life mortgage loan, already popular in the United Kingdom where more than 60,000 retirees use it each year, allows owners to unlock part of the value of their property without losing their property rights or increasing their financial burdens. It remains confidential in France.
Mirabelle, a fintech founded in 2022, wants to democratize this offer in France by relying on a dedicated technological platform and partnerships with insurers and wealth management advisors. Its model is based on independent granting capacity and guarantees to protect retirees and their heirs. The startup aims to structure a still embryonic market and become the first regulated player entirely specialized in this field.
To achieve its objectives, Mirabelle raised 1.3 million euros, including 1 million euros in ordinary shares and 300,000 euros in non-dilutive funds from Bpifrance. This funding will allow the startup to finalize its platform and obtain its ACPR approval, with a view to a commercial launch planned for summer 2025.
