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French Equity Release / Remortgage Process

Evaluation of your financial situation

The Bank will establish if you can be approved as a borrower after looking at your current financial details and situation. If your application is accepted, the loan amount, loan type and loan term will be established depending on your needs and requirements.

Mortgage loan offer

The property is valued by a local valuation expert appointed by the Bank. When the valuation report is ready, the Bank will send you the loan offer.

Acceptance of the loan offer

According to French regulations, you are not allowed to accept the loan offer within the first 10 days after the issue date. Once the 10 days have passed, you may return your acceptance for the loan offer to the Bank.


The Bank submits your acceptance and all relevant documents to the Notary, who draws up and registers the documents. A date is then arranged for the meeting with the Notary in order for you to sign the documents. You may decide to meet with the Notary in person or decide to sign a Power of Attorney document.


Once the documents have been signed, the loan is disbursed and the money is deposited on your French Bank account.

Process to the Equity Release form.


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