Financial Tools

On your left you will notice a number of Financial options which includes a French Mortgage Calculators as well as an updated list of new French Interest Rates which will show you your monthly payments when taking out a French Mortgage.

You will also not the Application form which is made nice and simple so that we have some idea of your needs in order to come back to you with a suitable solution.

French Mortgages

Type of Finance

The Mortgage tab will direct you to our French Mortgage page which will guide you through the different mortgage facilities in France.

The French Mortgage facility have as many option than you would expect in the UK and more as they do a fixed mortgage on a 1, 3, 7, 10, 15 and whole of term.

It is important to remember that when taking out a fixed mortgage payment that all French banks apply a 3% redemption fee if you redeem your mortgage within the fixed period but unlike the UK, the penalty is only on the amount you are owing at the time of redemption and not the original mortgages.

Currency Exchange

Exchanging you money into Euros

We have an agreement with Worldwide Currency that they will not charge any clients transferring money from the UK to France.

This procedure is simple as Worldwide Currencies transfer you funds from your UK bank to your French Banks without any charges.

The high street banks always charge so be very careful and if you do use a high street bank always find out what the rate of exchange is.

With Worldwide Currencies you will get the exchange rate of the day so you no exactly how much is being transferred into your French bank which can be as quick as 24 hours.

If you require further details you can click on the picture or telephone Tonya Lark on 0044 (0) 20 3326 4402 and let her know that AccessU2 - France has informed you that our clients pay no fees when exchanging funds from one country to another or click this link.

Quick Financial Links

• French Mortgage Application Form
• French Mortgage Calculator and Currency Converter
• Todays French Interest Rates
• Contact US

Capital Gains Taxes

Property Taxation

The information below is only on the taxation one would need to pay the French Government if he or she decides to sell a property in France.

The taxation on NON residence in France is far lower than the taxes on French Residence as Capital Gains in France includes Social Security charges which the NON Resident is not charged.

You have to look over a 15 year term as after year 15 the capital gains taxes on properties in France is ZERO%.

Example on a 200,000€ with a current value of 300,000€

• Between year 1 and year 5 you can subcontract any renovations and cost incurred when buying your property for example renovations 20,000€ legal fees 15,000€ = 35,000€
  • 300,000€ - 35,000€ = 265,000€ less 200,000€ purchase price gives a 65,000€ profit which is taxes at 19%
• From year 5 to year 15, you will receive a 10% credit for 10 years making 100% giving you a 0% balance in year 15

Taxes are far lower in France than what most people think.