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You may have some substantial Equity in your house in France just waiting to be released for the benefit of a better lifestyle. Refinancing your French home or taking a cash out mortgage is one of the ways to raise money to perhaps, finance a down payment for another property purchase, lower your existing monthly mortgage payment on your French property or simply enjoy a holiday or a brand new car. Please note that refinance and cash out mortgages are not seen by French bankers as a way to stabilize your finances in a difficult time or to consolidate debt. Therefore, you must apply for refinance and cash out while you can still meet the French lending eligibility criteria. This is broadly defined as having no more than one third of your regular income taken by debt payments.
More and more French Banks are offering Equity Release now to owners of property in France. As eligibility rules can differ from bank to bank and are not always presented in a clear manner, we recommend working with our independent bilingual French broker partner to ensure you obtain the best mortgage conditions and to make the application process as easy and smooth as possible.
For information, French Banks have an official minimum equity release amount ranging from 50,000€ to 100,000€ due to the amount of administration involved. If practical, think about requesting at least 70,000€ to 80,000€ to give yourself access to the most product and rate options.
Here are some of the reasons some people decide to release Equity from their French properties.
To find out more and be contacted by our specialist finance partner in France, please fill out the form below ensuring the information provided is as complete and accurate as possible. This is a free service with no obligation.
Next: Fill out the form below or read about the equity release process
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