Arranging Finance in France

The French Mortgage Market is very different to obtaining a UK mortgage as the French have many rules and regulations in order to protect you the consumer.

Offering the BEST French Mortgages in France

French Mortgage Lenders have different criteria, facilities and interest rates which is based around the Euribor.

Self Employed

• You will need a minimum of three years accounts but some lenders will accept two years with one year's projection of net profit.  
• The lender will add the 3 years net profit together and divide this by 3 giving an estimated annual income.

 Employed

• For those employed, you will need to enclose a copy of 3 months pay-slips and the last two years P60's or equivalent

 Investments 

• For those people who rent properties, the lenders will only lend 70% of rental income.

Mortgage Lenders in France

Things to Remember about Lending

We have over 30 years experience in International Finance.

Please make sure you consider our advice at your point of purchase as it is easier to obtain a French Mortgage when purchasing a French property than a re-mortgage at a later date. 

For this reason, you would be better advised to take more money than necessary from an initial mortgage, as its easier to repay your French lender than seeking additional funds at a later date.

Lending Facilities

French Residential Mortgages

• These French Mortgages can be up to 115% LTV as long as you are a full resident and employed in France otherwise it will be between 80% to 85% LTV

French Re-Mortgages

• In France they call this an equity release

Looking for a French Construction Finance Option

• Deferred Payments up to 24 months
• Up to 100% funding if you already own the land

Need a French Leaseback Mortgages?

• Up to 85% LTV plus your 19.6% TVA totals 104.6% LTV funding

Bridging Finance

• This can only be done on French Properties

Commercial Mortgage

• The lenders in France are so much more difficult in arranging this type of Finance as lenders are unable to secure the mortgage on businesses in France. 

For further details of our French Lending facilities please contact the mortgage desk link.

Lending Facilities

• French Mortgages up to 85 years of age100% LTV French Mortgages when borrowing over € 350,000 subject to status

• This is up to the age of 85 or a maximum or 40 years

• Holiday homes up to 85% LTV French Mortgages including Fees

• Interest Only French Mortgages

• Construction Mortgages

• Deferred up to 2 years reverting into a mortgage

• Capital & Repayment French Mortgages

• Fixed

Please do not make the same mistake as so many other when financing a property in France.

For further details please complete this quick application form